Term Life Insurance.

Is it right for me?

Is Term Life Insurance right for me?

This affordable, simple coverage helps protect your family by replacing your lost income in the event of a death. Term life lasts for a specific amount of time and its payments will never increase.

Term Life Insurance may be right for you:

  • Require coverage for a certain period of time, such as until your children are grown

  • Want to help your family maintain their lifestyle or stay in their current home if you’re no longer around

  • Need to make sure debts, such as a car loan or credit card, are paid of

  • Are just entering your prime earning years and need an affordable premium

What’s included in a Term Life policy?


A fixed death benefit that pays your beneficiary if you pass away during the term.

High coverage amounts relative to the price that may replace your lost income.

Premiums will never increase throughout the life of the policy.

Option to convert to a permanent plan

Frequently Asked Questions

What's the difference between term life and whole life policies?

While whole life and term life both have fixed premiums that never increase, whole life provides coverage for the rest of the insured person’s life, whereas term only provides coverage for a fixed period of time. Whole life policies also often include cash value that accumulates over time, while term life does not. However, term life has a substantially lower premium per dollar of coverage and there is typically more coverage available.

What's the difference between term life and universal life policies?

Term life and universal life are substantially different products: universal life has a variable premium and death benefit amount, whereas term is fixed. Universal life is a permanent life insurance product, whereas term life only lasts for a certain period of time. In essence, universal life combines protection with investment potential (and some accompanying risk), whereas term life provides simple, reliable protection for the period of time when it is most needed.

How affordable is term life insurance?

Term life insurance is the most affordable life insurance product per dollar of coverage, which is why it’s often a preferred option for people who are just entering their prime earning years to protect against loss of income. In addition to the death benefit amount, factors that may affect the price include your age at the date of issue, gender, term duration, overall health, and tobacco use.

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We are here for you.

We provide the best Whole Life, Term, & Final Expense Insurance to communities in MS, IL, LA, and TN.

We pride ourselves on offering fast courteous service and providing insurance products that fit into your budget, even on a fixed income, and even if you have health issues.

We happily serve our senior community by answering any medicare questions you have and insuring you get all of the health benefits and coverage available to you.

Simply put, we are committed to helping you.


Pam really cares about her clients,
and you can tell from the first time you speak with her.

Dorothy Moore

 Pam helped me cover my myself, and my grandchildren
and put my mother in a medicare plan with great benefits.

Vickie Mullins

 I finally have Life Insurance I can afford, and $0 Benefits on my medicare plan.

Thank you so much!

Lethia Johnson