Term life insurance offers the greatest coverage for the lowest initial price and is a great solution for people with temporary needs or a limited budget. As the name implies, term life insurance provides protection for a specific period of time and generally pays a benefit only if you die during the "term." Term periods typically range from one year to 30 years, with 20 years being the most common term.
Because term life insurance provides coverage for a set period of time, it is easy to understand and is often the most affordable option, making it one of the most popular types of life insurance.
Lower premiums give you the ability to meet your financial obligations today, while still protecting your family's future tomorrow. So while you continue to save for college, pay your mortgage, take family vacations, and do all the other things families do, you can rest easy, knowing that should the unexpected occur - the mortgage, college and even funeral costs will be covered.
OPTerm policies are renewable and convertible term life insurance which provide a level death benefit.
We understand that this is a big decision, so you should feel confident that the company you choose to protect your family’s financial future will be around in 20 or 30 years to fulfill your policy, if needed. For over 65 years, we’ve been in the business of providing financial protection for American families. Keeping life insurance affordable, protecting your retirement, and providing high quality, efficient customer service are just the fundamentals for us.
Legal & General America is:
When you make a decision to protect your family’s financial future with a term policy from Legal & General America, you’ll: