Term Life Insurance

Term life insurance provides your family with financial support in case of unexpected death with coverage periods ranging from 10 to 30 years.

As a result, you can choose the length of coverage you need for different life stages, such as paying off a mortgage, paying for your children's college, or replacing income during prime earning years.

A term life insurance policy offers life insurance protection at a low cost without investing in it, with premiums guaranteed for the policy's life.

Your policy may be renewed if you have a change in health or other circumstances. The risk of death increases as one ages, which causes renewal premiums to increase. With term insurance, you can continue to have coverage throughout your life because it is guaranteed renewable.

SJ Financial Services makes term life insurance easy and convenient. Once we gather a medical history and possibly conduct an examination, we can often issue policies within 30 days. Beneficiaries can use the death benefit payout in any way they choose - to cover funeral costs, mortgage payments, medical expenses, education expenses, daily living expenses, etc.