Term Life Insurance

Financial Protection for Your Family and Your Future


Lifetime Death Benefit

Secure a lifetime death benefit that protects your loved ones from the financial loss in the event of your death


Many Options

Term life doesn’t just cover you. It can cover children, spouses, and more. Build a plan that fits your needs.


Policy Flexibility

Take advantage of the flexibility to adjust payment amounts and frequency, as well as the ability to change the death benefit.

Why You Should Consider Term Life Insurance

In most cases, Term Life Insurance will provide the highest coverage amount for the lowest premium dollars over a specific period of time, like 10, 20, or 30 years. The life insurance will provide your loved ones with the money they need to cover expenses like the mortgage, medical bills, and more. You may want to have Term Life Insurance if any of the following applies to you:

  • Your income helps support your loved ones.
  • Your absence would cause additional expenses to your loved ones, such as child care.
  • You’re paying off a large loan (for example, a mortgage or a private student loan), and would like your loved ones to be able to pay it off if you died.
  • You own a small business and have business debts that would impact someone else if you died.


How Much Term Life Insurance Should I Buy?


The amount of insurance you buy is important, especially if you want to replace your income stream so that your surviving loved ones will not have to struggle financially as the result of their loss of your income.

Rather than guessing at what your death benefit should be, we encourage all of our clients and prospective clients to access an “insurance calculator online or contact an independent insurance professional to do the work for you. Either way, it won’t cost you anything.

Mutual of Omaha, one of the top companies we represent, provides a life insurance calculator on their website that is very easy to use. Simply click the button below to determine how much term life insurance you need to take care of surviving loved ones.



Your Term Life Insurance policy should reflect your individual needs in terms of the death benefit but also in terms of the length of the policy term. Here again, your insurance professional can offer you guidance and help you choose the correct policy term for your circumstances.

You can also customize your policy by adding various riders (optional coverages) that can broaden your coverage and in some cases, provide living benefits.

Take some time and review the riders listed below to determine if any of them would help you meet the goals of your policy. Pricing for insurance riders varies by company so make sure you speak with one of our insurance professionals to find out how each rider would affect your final insurance rates.


Accelerated Death Benefit

The Accelerated Death Benefit provides for the company to pay a portion of the death benefit to the insured if her or she is diagnosed with a terminal illness that is likely to cause death within two years.

Additional Insured Rider

This rider allows the insured to add an additional insured, such as a spouse to the policy with a maximum limit of the insured’s death benefit.

Accidental Death Benefit

This rider provides for the insurer to pay a multiple of the death benefit (usually double) if the insured dies as a result of an accident.

Children's Term Rider

The Children’s Term Rider allows the policyholder to insure all children and future children born or adopted to the policy for a time period designated by the insurer.

Waiver of Premium Rider

Waiver of Premium provides for the insurer to waive periodic premiums if the insured becomes disabled and is unable to work.

Return of Premium

The Return of Premium rider provides for the insurer to refund all premiums paid to the company if the insured outlives the term of the policy.

Contact Us with Your Questions
To find out more about Term Life Insurance and to get a free and confidential quote, call the professionals at BBIFinancial at (800) 958-1525 during normal business hours or contact us through our website for more information.