{"id":3055,"date":"2022-07-14T08:02:25","date_gmt":"2022-07-14T08:02:25","guid":{"rendered":"https:\/\/guthrieinsurance.com\/wp22\/?page_id=3055"},"modified":"2022-09-12T15:17:46","modified_gmt":"2022-09-12T15:17:46","slug":"term-insurance","status":"publish","type":"page","link":"https:\/\/guthrieinsurance.com\/wp22\/personal\/life-insurance\/term-insurance\/","title":{"rendered":"Term Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Services&#8221; _builder_version=&#8221;4.18.0&#8243; background_color=&#8221;rgba(135,135,135,0)&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;#d2d5d8 0%|rgba(8,29,89,0.56) 0%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;#d2d5d8&#8243; background_color_gradient_end=&#8221;rgba(8,29,89,0.56)&#8221; background_color_gradient_end_position=&#8221;0%&#8221; background_image=&#8221;https:\/\/guthrieinsurance.com\/wp22\/wp-content\/uploads\/2021\/02\/banner-personal-life-insurance.jpg&#8221; 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hover_enabled=&#8221;0&#8243; header_2_font_size_tablet=&#8221;30px&#8221; header_2_font_size_phone=&#8221;20px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; border_color_all=&#8221;#ccaf54&#8243; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>Term life insurance provides very affordable protection for the duration of the term period and benefits will be paid only if the insured dies within that time. Most Term insurance is guaranteed renewable for one or more additional terms, even if your health has changed. However, at each renewal term e.g. 5, 10, 20 or other years, the premium will be higher based on your then age. Typically, most Term life insurance policies will expire at a specified age. It is generally considered that Term insurance provides the largest immediate death protection for your premium dollar, because Term provides only for death protection. Some Term policies are convertible, allowing you to change the Term policy to a Permanent e.g. Level Term, or Whole Life policy even if you are not in good health. Premiums for the new policy will be higher than those the you have been paying for the Term insurance (at least initially).<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#f2f2f2&#8243; custom_margin=&#8221;-2px|||||&#8221; custom_padding=&#8221;24px||0px|||&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Lato||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;2.1em&#8221; header_font=&#8221;Lato|900|||||||&#8221; header_text_color=&#8221;#316f6a&#8221; header_font_size=&#8221;23px&#8221; header_line_height=&#8221;1.7em&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;28px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 class=\"section__title\" style=\"text-align: center;\">SAVINGS START HERE. FOR A REVIEW OF YOUR TERM LIFE INSURANCE<\/h1>\n<h1 class=\"section__title\" style=\"text-align: center;\">\u00a0YOU HAVE TWO OPTIONS:<\/h1>\n<p>[\/et_pb_text][et_pb_divider color=&#8221;#d8c17b&#8221; divider_weight=&#8221;4px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;8%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width_tablet=&#8221;&#8221; max_width_phone=&#8221;100%&#8221; max_width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|||160px|false|false&#8221; custom_padding_tablet=&#8221;|||0px|false|false&#8221; custom_padding_phone=&#8221;|||0px|false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/guthrieinsurance.com\/wp-content\/uploads\/2021\/04\/our_brockers.png&#8221; title_text=&#8221;our_brockers&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; transform_styles__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover_enabled=&#8221;on|desktop&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; transform_scale__hover=&#8221;107%|107%&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4 class=\"several-options__body\" style=\"text-align: center;\"><strong>Call and speak directly <\/strong><br \/><strong>to one of our brokers<\/strong><\/h4>\n<div class=\"several-options__small\" style=\"text-align: center;\">Available Mon-Fri \u2013 9 am &#8211; 5 pm<\/div>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;tel:18883107283&#8243; button_text=&#8221;CLICK TO CALL&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.17.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#ccaf54&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|160px|||false|false&#8221; custom_padding_tablet=&#8221;|0px|||false|false&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/guthrieinsurance.com\/wp-content\/uploads\/2021\/04\/complecting_form.png&#8221; title_text=&#8221;complecting_form&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; 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