Term Life Insurance For Income And Mortgage Protection
Term life insurance pays a tax-free death benefit to your beneficiaries if you pass away during the term you choose, typically 10, 20, or 30 years, at the lowest premium of any life insurance type. Luis Alvarenga helps clients across 18 states size a term policy to match a mortgage, income replacement, or a set of years until the kids are grown.
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Lock In A Rate While You Are Young And Healthy
A Common Question
"Term life expires, so isn't it wasted money?" A term policy is priced to cover the years you actually need protection, a mortgage payoff, kids through college, income replacement while working, not to build cash value. Buying only the years you need is what keeps the premium low.
How Luis Helps
Luis compares term lengths against your mortgage payoff date and your kids' ages so the coverage window actually matches your risk, not a round number.
Rates and figures shown are sample estimates for illustration only. Any real policy is subject to underwriting and the terms, conditions, and exclusions of the actual policy documents.
States Served
Licensed independent insurance agent (NPN #8756746). Licensed in CA, AZ, FL, GA, IA, KS, KY, MI, MS, NC, NM, NV, OH, SC, TN, TX, VA, WA. Products, availability, and rates vary by carrier and state; not all products available in all states.