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Term Life Insurance

Simple. Flexible. Built for what matters most.

What Is Term Life Insurance?

Term life insurance is straightforward and cost-effective coverage that lasts for a specific number of years — such as 10, 20, or 30. If something happens to you during that term, your beneficiaries receive a guaranteed death benefit to help offset the financial impact of your absence.

When Less Is More: One-Year Term

Sometimes you just need short-term coverage — maybe for a business loan, a transition period, or life’s unexpected turns.
That’s where our One-Year Term policy comes in.

It provides:

Guaranteed protection for 12 months
Budget-friendly premiums
Flexibility to convert to a longer-term or permanent solution later

Thinking ahead? Talk to your financial professional about how One-Year Term can support your short-term financial planning.

At-A-Glance:

Term Life InsuranceWhy Choose Term Life

Affordable Protection
Term life typically offers the highest coverage amount for the lowest cost, making it ideal for families, young professionals, or business owners.
Income replacement
If your income supports others, term life helps replace lost earnings, protecting your loved ones from sudden financial burdens.
Future Flexibility
Our term life policies come with conversion options — meaning you can transition to a permanent life insurance plan later without new medical underwriting.

At-A-Glance:

Why Choose Term Life

Affordable Protection Term life typically offers the highest coverage amount for the lowest cost, making it ideal for families, young professionals, or business owners.
Income replacement If your income supports others, term life helps replace lost earnings, protecting your loved ones from sudden financial burdens.
Future Flexibility Our term life policies come with conversion options — meaning you can transition to a permanent life insurance plan later without new medical underwriting.

Convert to Permanent Life Coverage

Looking for long-term protection and cash value growth? You can convert your term policy to a whole life policy that offers:

Lifetime coverage
Level premiums
The ability to build cash value that can be accessed during your lifetime⁽¹⁾

Explore the benefits of Heritage One Conversion Whole Life coverage today.

Term Life Insurance

Term life insurance can be a simple and powerful protection solution that offers coverage for a fixed number of years.

Questions to Ask a Financial Professional

1. How much term life insurance should I consider based on my income and debt?

2. If I want to convert to permanent life later, what’s the best timing?

3. What are the advantages of using term life in my estate or tax planning?

4. Is short-term coverage enough for my current stage in life?

Don’t have a financial professional? Contact Us

Important Disclosures

Term policies do not build cash value unless converted.

All guarantees are based on the claims-paying ability of Heritage One Insurance.

Product features and availability may vary by state or issuing company.