Business Details
Your Trusted Term Life Insurance Provider
Term Life has built a reputation over three decades by delivering tailored life insurance solutions and exceptional customer service. Our innovative technology empowers clients to make informed decisions, offering instant policies without medical exams and fully underwritten programs with competitive rates. We specialize in policies for individuals who may struggle to qualify elsewhere, alongside estate planning strategies to protect assets from taxation.Our partnerships with highly-rated, financially stable insurers ensure reliability and value, reflecting our commitment to meeting diverse consumer needs. With a principal agent licensed in all 50 states, we combine industry expertise with personalized guidance to secure our clients' financial futures.
Services
Term Life Insurance
Instant Life Insurance
Fully Underwritten Policies
No Medical Exam Coverage
Estate Planning
Fixed Annuities
Variable Annuities
Key Person Insurance
Policy Comparison
Financial Planning
Highlights and features
- We offer instant life insurance policies with no medical exams required.
- Our partnerships with top-rated insurers ensure competitive quotes and reliability.
- We specialize in policies for individuals who may not qualify elsewhere.
- Our estate planning services protect assets from tax liabilities.
- We have a 30-year track record of customer satisfaction and innovation.
What people say
Prompt, responsive
Save 60%
Valuable, dependable
Lowest cost plan
Improved pricing
Services
Term Life Insurance
Term life insurance provides affordable, temporary coverage for specific financial obligations. Ideal for income replacement, mortgage protection, or supporting dependents during critical years. Policies offer customizable terms and death benefits.
Instant Life Insurance
Instant life insurance delivers immediate protection without medical exams. Designed for healthy individuals seeking streamlined approval and rapid policy issuance to address urgent coverage needs.
Estate Planning
Estate planning services safeguard assets from tax burdens and ensure efficient wealth transfer. We create strategies to preserve your legacy while minimizing liabilities for beneficiaries.
Fixed Annuities
Fixed annuities offer guaranteed returns and principal protection. These investment vehicles provide predictable income streams for retirement planning and long-term financial security.
Key Person Insurance
Key person insurance mitigates financial risks from losing a critical employee. Policies provide funds to recruit replacements, stabilize operations, or maintain business continuity during transitions.
People
Allan Gersten
Principal Agent
Allan Gersten leads Term Life as a licensed principal agent in all 50 states. With decades of industry experience, he specializes in connecting clients with tailored insurance solutions and competitive pricing.
Questions
What types of life insurance policies do you offer?
We provide term life insurance, instant coverage without medical exams, fully underwritten policies, and specialized options for those who may not qualify elsewhere.
Do I need a medical exam to get coverage?
No medical exam is required for our instant life insurance policies. Fully underwritten options are also available for those seeking additional coverage.
How do you ensure competitive pricing?
By partnering with highly-rated insurers, we compare multiple carriers to find the most affordable rates tailored to your needs.
Can I get help with estate planning?
Yes, we offer estate planning services to protect your assets from tax liabilities and ensure your financial legacy is preserved.
Are your insurance partners financially stable?
We collaborate only with top-rated, legally reserve-compliant insurers to guarantee long-term reliability and policyholder protection.
