TERM LIFE OVERVIEW
Provides coverage for a specified term, such as 10, 20, or 30 years. If you pass away within the term, your beneficiaries receive a death benefit.
PROS
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Affordable premiums, straightforward coverage
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Flexible term lengths, and easy application process
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Provides significant coverage at a lower cost compared to permanent insurance
CONS
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Coverage expires at the end of the term
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There is no cash value accumulation
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Premiums may increase upon renewal
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*Pro Tips: we are offering term life with cash back​
BEST FOR
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Individuals and families needing temporary protection, such as covering a mortgage, raising children
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Managing short-term financial responsibilities
WHO IS TERM LIFE INSURANCE BEST SUITED FOR?
Homeowners with Mortgages
Budget-Conscious Individuals
Individuals with Short-Term Financial Goals
Those Seeking Added Value
Young Family
1. Young Families
Provides essential protection during the years when financial responsibilities, such as raising children and paying off a mortgage, are highest.
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2. Budget-Conscious Individuals
Offers affordable coverage options with the flexibility to choose a term length that fits your budget and financial goals.
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3. Homeowners with Mortgages
Ensures that your mortgage and other debts are covered, reducing the financial burden on your family if something happens to you.
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4. Individuals with Short-Term Financial Goals
Perfect for those who need coverage for a specific period, such as until children are grown or educational expenses are covered.
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5. Those Seeking Added Value
The Return of Premium option is ideal for those who want the peace of mind that comes with getting their premiums refunded if they outlive their policy term.
THE BHB ADVANTAGE
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TOP RATED BROKERS
Working with a broker who is licensed and certified with multiple A rated carriers is the best approach. They can provide guidance and customize plans that fit your needs. At BHB we offer no-cost, no-obligation consultations that can be scheduled for any day and time of your choosing. We never sell your information to others.
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WIDE -RANGING OPTIONS​
As an independent agency, BHB has access to policies from over 30 respected insurance providers. This extensive selection allows you to compare rates and coverage options easily, helping you make well-informed choices.
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COST-FREE FOR CLIENTS
​Our brokerage services come at no cost to you. We are compensated by insurance companies through commissions on policies sold, meaning there are no broker fees, additional premiums, or hidden charges when you purchase a term life insurance policy through BHB. In fact, you’ll save money by comparing various policies to find the best offer.