Term life insurance pays a tax-free death benefit to your family if you pass away during the term you choose, for a level premium that fits a young family's budget. Family Life Solutions sizes coverage around a mortgage, income replacement, or kids still at home.
Term life insurance provides a death benefit for a set number of years, typically 10, 20 or 30, at a level premium. If you pass away during that term, your beneficiary receives the payout tax-free. If you outlive the term, the coverage simply ends unless renewed or converted.
It is often the most affordable way for a young Clarksville or Fort Campbell family to put a large death benefit in place while a mortgage, young children, or a single income make the risk of losing a provider the highest. Many active-duty and veteran families layer term life alongside any coverage provided through their service, since military coverage does not always continue after separation.
Coverage sized to replace years of income so your family can keep up with everyday bills.
A term length matched to your mortgage payoff so your home stays covered for your family.
Many parents choose a 20 or 30-year term to cover the years their children are growing up.
Longer terms lock in a level rate for more years but generally cost more per month than a shorter term.
A lower-cost option for shorter-term needs, like covering a specific loan or a set number of working years.
The most common choice for parents with young children, matching coverage to the years kids are at home.
Longer-term protection for a new mortgage or a growing family that wants coverage locked in for decades.
Prefer coverage that never expires? Whole life and indexed universal life last your entire life and build cash value you may be able to borrow against, for a higher premium. Les can show you term and permanent side by side.
Share your age, health and the coverage amount you have in mind for your family.
Les compares term life options from multiple carriers, including simplified-issue choices with no medical exam.
Complete the application with your chosen carrier and lock in your level premium for the full term.
Local term life coverage details for towns across the Clarksville-Fort Campbell trade area.
See all service areas.
Term life insurance pays a death benefit to your beneficiary if you pass away during a set term, usually 10, 20 or 30 years, in exchange for a level premium. There is no cash value, which keeps the premium lower than permanent coverage.
If you outlive the term, coverage simply ends unless you renew it, which is usually at a higher rate, or convert a portion to a permanent policy where the carrier allows it.
Some term policies require a paramedical exam, while simplified-issue options are available with just health questions. Les can match you to the option that fits your timeline.
A common starting point is 10 to 12 times your annual income, adjusted for debts like a mortgage and future costs like college. Les can help size a number that fits your household.
Yes. Family Life Solutions regularly works with active-duty and veteran families in the Fort Campbell, Oak Grove and Hopkinsville, KY area, many of whom want civilian coverage that continues after service.
A quick call with Les is usually all it takes to compare coverage amounts and term lengths that fit your budget.
Tell us a bit about your coverage needs and Les will call with your exact rate.
Your information has been sent to Lesley David Varisce at Family Life Solutions, who will call with your exact rate within one business day.
Illustrative sample rate. Your quote depends on age, coverage, term length and health, and varies by carrier and state.
