This "pure" life insurance gives financial protection to your children, heirs or estate upon death. Your premiums cover only the cost of insurance as there is no savings component.

This is a relatively inexpensive form of life insurance although premiums can rise over time. Most term policies expire at age 65.

We are very cautious investors and checked Richard's references and credentials. He has proven to be a reliable, caring and results-driven broker. — B.K.