Term life insurance provides coverage for a set period — typically 10, 20, or 30 years.
If you pass away during that term, your family receives a tax-free lump sum payout.
It’s the most affordable way to get meaningful protection.
| Benefit | Why It Matters |
|---|---|
| Low Monthly Premiums | Lock in a high death benefit at the lowest cost |
| Choose Your Term | 10, 20, or 30 years — you decide |
| No Rate Increases | Your premium is fixed for the life of the policy |
| Tax-Free Payout | Your family receives the benefit free of income tax |
| Fast Approval | Many policies require no medical exam |
| Convertible Options | Option to upgrade to permanent coverage later |
Best For: Short-term debt protection, budget-conscious buyers
Best For: Families with kids, mortgage protection
Best For: Young families, income replacement, long-term stability
✅ 30-year-old parent: $500,000 coverage = $32/month
✅ 40-year-old homeowner: $1,000,000 policy = $72/month
✅ Business partner coverage: 20-year term, $250,000 = $28/month
A: The policy expires, but many plans let you convert to permanent insurance without a medical exam.
A: The policy ends — but there’s no long-term obligation. Cancel anytime.
A: Yes — we work with multiple carriers to find the best fit for your health profile.
A: Yes — many no-exam options approve coverage within 24–48 hours.
Lacey Life Financial™ • Orlando, FL • NPN: 21643251