Term Life Insurance

Life Insurance can safeguard your business or family’s financial future should you pass away. It can also help to secure a more comfortable retirement when you leave the workforce or offset the costs of Long Term Care when you are older. There are many reasons to purchase life insurance but, above all else, it provides peace of mind for you and those you love. 

Homeowners – If you’ve purchased a home, life insurance is a great option to help cover the expense of a mortgage payment. This will also help support any co-signers on your home in the event that you unexpectedly pass away.

Breadwinners – Life insurance can help your loved ones pay for living expenses, tuition, debts, and other expenses your income supported.

Parents – Whether you work or stay at home, you’re responsible for taking care of your children. Especially if you’re a single parent, life insurance can provide financial stability to your children should something happen to you and help cover the costs of living, education, and more.

You’re Married – If you’re married or have a domestic partner, life insurance can protect your loved one and the life you’re building together. It can help cover your lost income and shared expenses such as credit card balances, car loans, and monthly rent, so you leave your partner in a good financial situation.

Individuals with Debt – Even if you’re single with no children, life insurance can be a good idea if you carry debt. Some student loans won’t be discharged due to bankruptcy or death, so coverage can help alleviate the financial burden on your family.

Business Owners – Life insurance can also protect your business. It can be used to pay off your business debts or help the company stay afloat while they learn to get along without you.

End-of-Life Expenses – Small life insurance policies can pay for your funeral and final expenses so that burden isn’t left to your family.

You’re Single –  In addition to protecting your family from inheriting your debt, life insurance can help provide support for anyone that depends on you, like aging parents or siblings. You may also want to consider buying life insurance while you’re young so that by the time you need it, you do not have to pay more due to your age.

There are many kinds of life insurance, such as term, permanent or whole life, final expense and others. If you don’t know which is right for you, our coverage estimator uses a few questions to learn about your needs and recommends the right product for you.

Or, if you want more help, our licensed agents can offer information on the special features and benefits so that you can understand the differences and determine what’s right for you. Learn more about Term and Permanent Life Insurance. 

We’ve modernized the process. Our coverage estimator asks a few health and value questions and analyzes your information in real-time against our products to match you with the best policy and price available. Most of our products don’t require a medical exam. And we have a team of licensed agents ready to help you through it all. 

Real Innovation offers both simplified issue and fully underwritten life insurance policies. 

Simplified issue/No exam – Most of our term policies are simplified issue, meaning the application process and underwriting decision come instantly based solely on third-party data and the applicant’s responses to health questions within the application. No medical exam is necessary. Simplified issue underwriting may be right for you if you might not qualify for a traditionally underwritten policy, you want a simple process without medical exams or lab tests, or you thought you couldn’t get life insurance because of your age or health.

Fully underwritten –  We also offer fully underwritten policies, a more traditional method that historically includes a complete application and medical exam, but might offer lower rates. Fully underwritten policies may be right for you if you’re in good health, you’re looking for life insurance with a higher death benefit, or you don’t mind a longer application process that might result in lower premiums.

There are many reasons to purchase life insurance. It can be used to replace income or cover expenses, like your mortgage or college education, if you pass away. It can also be used to provide retirement income or protect a business. If you’re not sure how much you need, please explore our coverage options so we can help you.