Term life insurance is the simplest, most cost-effective way to protect the people who rely on you.
If something unexpected happens, term life provides immediate financial support to your family so they can maintain stability and continue life with confidence.
At Gentif, we help you determine the right amount of coverage, the right length of time, and the right carrier to match your goals — all with unbiased guidance.
Term life insurance provides coverage for a specific number of years, such as 10, 15, 20, 25, 30, or 40 years.
If the insured passes away during that period, their beneficiaries receive a tax-free death benefit (consult tax professionals for personal guidance).
It is ideal for protecting income, dependents, and financial responsibilities during your highest-risk years.
Term life is commonly used by:
Parents with young children
Homeowners with a mortgage
Families relying on one or two incomes
Business owners with obligations or loans
Individuals needing high coverage at the lowest cost
Anyone looking to lock in low rates while healthy
Term life provides the most coverage for the lowest price — often costing less than everyday expenses.
Ensures your family maintains their lifestyle if your income suddenly stops.
Prevents your spouse or children from having to take on financial burdens.
Choose coverage for the exact period you need — 10 to 40 years.
Many carriers offer the ability to convert your term policy to permanent coverage (policies vary by carrier).
No complicated structures — easy to understand and easy to qualify for.
Family size
Income and debts
Mortgage balance
Children’s education plans
Future financial needs
Length of support your family requires
Most families choose terms that align with major responsibilities:
| Life Stage / Responsibility | Recommended Term | Why |
|---|---|---|
| Raising children | 20–30 years | Protect through adulthood |
| New mortgage | 20–30 years | Matches the loan duration |
| Income replacement | 15–30 years | Covers working years |
| Business loans | Length of loan | Ensures continuity |
| Short-term needs | 10–20 years | Affordable protection |
Gentif helps you match the term length to your life flow and financial priorities.
Everyone’s financial responsibilities and life stages are different.
A shorter or longer period may be more appropriate depending on:
Your age
Family size
Income level
Long-term goals
Debt structure
Duration of financial obligations
At Gentif, we help you determine a term length that aligns with your personal timeline, responsibilities, and planning priorities.
We work with multiple top-rated carriers — not just one company — to ensure you get the best pricing and underwriting fit.
We analyze carrier differences, underwriting guidelines, and policy features to optimize your plan.
You’ll always know exactly what you’re applying for and why.
From quotes to application to underwriting, we handle every step.
Low cost
High coverage
Protection for a defined period
→ Term life is ideal.
Lifetime coverage
Guaranteed values
Legacy planning tools
→ Whole life may be a better fit.
