Term Life Insurance

Protect your family with affordable Nevada term life insurance from Safeguard Insurance.   Getting a quote only takes a few minutes, there is no obligation to buy and you might be surprised just how affordable term life insurance can be!

Protect your family with affordable Nevada term life insurance!

While it may be difficult to imagine, it’s important to prepare in advance for a time when you may no longer be around.  At Safeguard Insurance we can help you determine which type of Nevada life insurance policy is right for you.  We have access to dozens of life insurance providers and will do the shopping for you!  For most people and situations, we recommend simple and affordable term life insurance.  Term life insurance rates have never been more affordable, but the lowest price does not always equal the best value.   We take the time to understand your goals in buying life insurance and make sure the plan we present fits your needs.

Term Life Insurance Basics

  • Coverage for a “term” or period of your life.  The term is typically between 5 and 30 years.
  • Affordable premiums, when compared to permanent life insurance
  • Provides maximum coverage for the lowest cost.
  • Rates are fixed for the policy term (i.e. 5, 10, 20 or 30 years)
  • No equity or cash value accumulation in the policy.

Why choose term life insurance?

Term life insurance is the simplest and most cost effective way to provide life insurance coverage for you and your family.  While term life insurance does not build any cash value or equity, it is very affordable and provides high coverage amounts for the price.   For most people, term life insurance provides the protection they need, at a price they can afford.   Term life insurance is uncomplicated.  You simply choose an appropriate coverage amount and the term that fits your needs.

How much term life insurance should I buy?

Everyone has different life insurance needs.   Our agents can help you determine how much coverage you should buy by reviewing your current income, debt and future expenses.  The goal when buying life insurance should be to adequately take care of your survivors.  We will help you find a coverage amount that accomplishes that goal, while still fitting in your budget.

How is term life insurance priced?

The premium (what you pay) is based on your age and general health.  There are certain risk factors, such as smoking, that can dramatically increase the price of your life insurance.   When you apply for term life insurance, you will answer a series of questions about your health, lifestyle and, in some cases, if you engage in any high risk activities (think shark wrestling or skydiving).   The answers to those questions can raise or lower the final price you pay for term life insurance.

How do I get a term life insurance quote?

Call us at (702) 638-0022 or click the Get a Quote button on this page.  The quote is free and does not require any personal information.