Term Life insurance - Best Life Insurance Houston Agency

Protect your family on your terms

Life doesn’t always lead us to our dreams and aspirations. Our journey may be cut short before we’re ready. When this happens, families are shattered, devastated, and struggle to find their feet.
Unfortunately, some families will no longer be able to meet their financial obligations.

At Best Life Insurance, we know permanent life insurance policies can be outside your budget. In addition, sometimes permanent coverage isn’t the best option for your family. That’s why we offer more than one type of life insurance, like our term life policies.

Our term life insurance options provide a fixed amount of coverage for a specific period. Young families often prefer term policies because the policies are more affordable than whole life policies.

Term life policies designed to meet your needs

At Best Life Insurance, we offer 10-year, 15-year, 30-year, and temporary term plans. Once your term length ends, you can renew or select another policy.

10 Years

Ideal for those with shorter-term loans, families with teens, terminally ill patients, and more.

15 Years

Great for families with middle-school children, those nearing retirement, small businesses owners, etc.

30 Years

Perfect for young families, new homeowners, those with long-term loans, and more.

Temporary

Short-term coverage for temporary situations or for families with older teens, short-term loans

Life insurance coverage without breaking the bank

Many families have heard that life insurance is too expensive. However, term life insurance provides protection at a lower premium payment than whole-life policies. At Best Life Insurance, our term life policies are interest-free and provide excellent coverage for the length of time you need it.

Term policies provide families immediate financial protection from catastrophic expenses resulting from the loss of the policyholder. At Best Life Insurance, we understand the urgency when such a life-altering event happens. That’s why our term life plans provide an immediate payout to affected families.

If you’re struggling to find affordable term life insurance, give our experts a call. We will help you select the best plan. As term policies are protection plans, your coverage won’t build up or accumulate.
However, you’ll be able to renew your policy with additional coverage as you want.

Personalized coverage based on your needs

To get the most of your term life insurance Best Life Insurance recommends reviewing your family’s goals and financial obligations. For example, your student, car, mortgage, or other loan amounts, child expenses, and goals such as putting your child through college. Finally, remember to take into account funeral expenses.

Our term plans for common life experiences and beyond

At Best life insurance, we know each of us travels ventures on a unique journey. So, it’s not always easy to decide how long your coverage should be. That’s why we meet with you and discuss your best options based on your family’s needs. We see new clients for many reasons, but some life experiences nudge our clients into seeking help from a life insurance company.

New parents

When your beautiful child enters this world, you’ll likely start imaging their future. You may dream of their first steps, picture them playing sports, and imagine the wonderful person they’ll become. Parents plan on being there for their child’s entire life.

Unfortunately, life can be beyond cruel. Some parents pass away too soon and won’t get to see their child’s journey to adulthood. To protect your family from crippling financial obligations during the most expensive years of their child’s life, you may want to choose a 15- or 30-year plan.

New Homeowners

Buying a home is a very exciting time. For many, it’s a sign of reaching adulthood. However, purchasing a home is a significant investment, and if a signee should suddenly pass away, making payments could become impossible.

At Best Life Insurance, many clients who just bought a home opt for a 30-year term policy. Most home loans last 30 years, so your life insurance policy would keep you covered throughout the loan period.

Small business owners

Owning a small business comes with a lot of responsibilities and expenses. There are a lot of daily upkeep tasks and bills you have to take care of, and often only one family member is running the behind-the-scenes finances show.

Many of our small-business clients plan to grow their business and be bought out. We always encourage our clients to meet this exciting goal but narrowing down a buyout window can be tricky. Ideally, you’d like a policy that lasts only as long as you need it.

That’s why our agents sit down with you to discuss your needs. Together, we’ll find create your personalized plan that aligns with your goals.

Large Loans

If you have large student loans or have other large monthly payments such as car loans, credit card payments, etc., your loan likely lasts for many years. Unfortunately, your family would be responsible for taking on the loan debt if you should pass away.

To help your loved ones, purchase a term loan that lasts as long as the loan period. If you should die during the term length, your family won’t take on new financing burdens.

Temporary coverage when life starts wavering

At times, life throws a curveball, and you find yourself needing life insurance for a brief or unknown period. We understand how difficult this situation is, and we are here to support you through this time.

That’s why Best Life Insurance offers temporary coverage options. You’ll pay for coverage for as long as you need it and then end your coverage when you’re ready.

Life insurance advice you can trust

It’s not always easy to determine how much coverage you need, and some life insurance companies may have you wondering whether their bottom line is more important than your life. At Best Life Insurance, your life and your beautiful family are our priority. We provide more than just customer service; we consider you part of our family and give you the respect you deserve.

Our agents have 15 years of collective experience in the Life Insurance Industry and offer expert advice. We create a personalized plan that fits your family’s needs. Give us a call or set up an appointment to receive life insurance quotes. Together, we will help you safeguard your family’s future.