What is Term Life Insurance?

Term life insurance charges a fixed monthly premium over the life of the policy, for a fixed death benefit should the policyholder die during the term.
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Are you looking for the best life insurance policy to protect your family?

OHANA life insurance has been catering to several clients with their life insurance requirements. Our feasible life insurance plans not only help in restoring lost income but also provide additional financial security in addition to taking care of offset expenses.

Although it is not covering insurance after the loss of life, instead it will protect if the client loses their current source of income or undergoes severe debt like a mortgage and other liabilities. Generally, the policy provider will come up with a policy in terms of 5,10,15, 20, or at times even 25 to 30 years. Since these terms follow the ‘set it’ and ‘forget it’ system when it comes to both fixed premiums and death benefit, it is easier to pay for it since the client gets relatively strong safety despite submitting small monetary remittance each month.

When is the right time to buy term life insurance?

The right term to buy term life insurance is when the client is not only young but also is trying to get the first real cover in life. Term life insurance is perfect for both singles and couples who are young since they will be fairly inexpensive as the provider will provide a plan that requires the policyholder to make smaller deposits over time. Even though the age of term life insurance’s maturity is 50, some holders get past that age too. In this case, the premium might be high.

Term life insurance is right for young couples with liabilities like debt. Not only are the smaller premiums feasible but also the death benefit will match to the mortgage, covering these liabilities in case the holder expires. Young policyholders can even readjust their term life insurance depending on their changing income with time.

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