Term Life Insurance

Term life insurance is affordable and simple to understand. Get a no-obligation quote instantly!

Protect your family with affordable term life insurance from Safeguard Insurance. Getting a quote takes less than 60 seconds, there is no obligation to buy and you might be surprised just how affordable term life insurance can be!

Term Life Insurance Basics

  • Coverage for a “term” or period of your life.  The term is usually between 5 and 30 years.
  • Affordable premiums compared to permanent life insurance.
  • Provides maximum coverage for the lowest cost.
  • Simple to understand and typically fast to underwrite and issue.
  • 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 you need, at an affordable price. It is uncomplicated: you simply choose an appropriate coverage amount, the term that fits your needs, and we help you find the best price.

How much 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 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 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). Your answers to those questions can affect the final price you pay for life insurance.

How do I get a term life insurance quote?

Complete the short quote form on this page for an instant quote in less than 30 seconds. Find the plan you like and apply online. Or, call us at 702.638.0022 to discuss your life insurance needs. There is no pressure and no obligation to buy.

Safeguard Insurance is licensed to quote term life insurance in Nevada, Utah, Arizona, Idaho, South Dakota, Texas, New Mexico, Oregon, Washington, Florida, and California.