Term Life Insurance in PA

Term Life Insurance in Pennsylvania​


What is Term Life Insurance? Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.

 

Term life insurance can be contrasted to permanent life insurance such as whole life, universal life, and variable universal life, which guarantee coverage at fixed premiums for the lifetime of the covered individual unless the policy is allowed to lapse. Term insurance is not generally used for estate planning needs or charitable giving strategies but is used for pure income replacement needs for an individual. Term insurance functions in a manner similar to most other types of insurance in that it satisfies claims against what is insured if the premiums are up to date and the contract has not expired and does not provide for a return of premium dollars if no claims are filed. As an example, auto insurance will satisfy claims against the insured in the event of an accident and a homeowner policy will satisfy claims against the home if it is damaged or destroyed, for example, by fire. Whether or not these events will occur is uncertain. If the policyholder discontinues coverage because he or she has sold the insured car or home, the insurance company will not refund the full premium.

Engarde Financial Group offers the most affordable Term Life insurance in Pittsburgh PA, some say we provide the Cheapest Term Life Insurance in Pittsburgh, PA. 

Why is it possible we can offer such low rates, its because we are Insurance Broker in Pittsburgh, PA.

     

    You're probably wandering how we can offer such low term life insurance rates in Pennsylvania. Again being an Insurance Broker in Pittsburgh, PA this gives you an advantage, allowing us to shop for your lowest rate and best coverage.

    • Why choose us?

      Well if you put our rates up against it's a great question, we stand against our competitors: State Farm or Nationwide, you will find our rates are a lot less, more coverage and better service. 

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    Need Whole Life Insurance?

    Life insurance is one of those things that most of us know we need, but we don’t really know what kind to get, how much we should get, when we should get it, or how long we should keep it. Fortunately, we're here for you!

    Locations we serve in the State of Pennsylvania

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