Real Talk About Life Insurance
Let’s be real: life insurance isn’t the most exciting topic… until you realize how powerful it can be in protecting your family and building a legacy. Whether you’re just getting started with life insurance or rethinking your coverage, Term Life Insurance is one of the most popular—and affordable—ways to get covered.
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But what exactly is it? Who is it for? And how do you make sure it’s not just a checkbox but part of a bigger, intentional financial strategy?
Let’s break it down.
What Is Term Life Insurance?
Term life insurance is a type of life insurance policy that provides coverage for a specific period of time—usually 10, 20, or 30 years. If something happens to you during that term, your beneficiaries receive a death benefit (aka a tax-free lump sum of money). If the term ends and you’re still living (praise God!), the policy expires or you may have the option to renew or convert it.
In short: it’s life insurance that lasts for a season, not a lifetime.
Why People Choose Term Life
Let’s talk about why so many people (especially young families or new business owners) choose term life:
- ✅ Affordable premiums – It’s the most budget-friendly way to get a large amount of coverage.
- ✅ Temporary needs – Perfect if you want coverage while paying off a mortgage, raising kids, or building your business.
- ✅ Simple and straightforward – Easy to understand and apply for, especially with the help of a good broker (hi 👋).
Who Is Term Life Insurance For?
Here’s where this gets personal. You might consider term life insurance if you:
- Have young children and want to make sure they’re provided for
- Are a stay-at-home parent and your role would be expensive to replace
- Just bought a home and want the mortgage paid off if something happened
- Started a business and want to protect your income-generating years
- Want a bridge policy while you’re building wealth or until you can add permanent coverage
📣 In other words: if someone depends on you financially, term life insurance is a loving move.
Kingdom Lens: Protect What God Has Entrusted to You
As a Kingdom-minded woman, you’re not just building a life—you’re stewarding what God has entrusted to you. That includes your family, your finances, your calling. Term life is one way to honor your role as protector and provider, even when you’re no longer here.
You’re not planning for fear—you’re planning from wisdom.
Proverbs 13:22 – A good person leaves an inheritance
How to Make Term Life Insurance Work for You
Here’s how to make smart moves with your term policy:
- Choose the right length. Think about how long your family will need your income (mortgage payoff, college, etc.).
- Don’t underinsure. Many people underestimate how much coverage they actually need. A good rule of thumb: 10–15x your income.
- Bundle it into your bigger plan. Term life is amazing, but it works best as part of a holistic plan. You can layer it with permanent coverage like an IUL for long-term benefits and legacy building.
- Work with a broker (not a captive agent). I’ll shop multiple carriers for the best rates and make sure it fits your full financial picture—not just a monthly premium.
Term Life Insurance vs. Whole Life: Quick Comparison
| Feature | Term Life | Whole Life / IUL |
|---|---|---|
| Coverage Length | 10–30 years | Lifetime |
| Cost | Low | Higher |
| Builds Cash Value | ❌ No | ✅ Yes |
| Purpose | Income protection, debt payoff | Legacy, wealth-building, lifelong protection |
| Flexibility | Basic coverage | Can be used for retirement, borrowing, tax strategy |
Final Thoughts
Term life insurance is a starter protection move, not the whole plan—but that doesn’t make it any less powerful. It’s one of the most loving, wise financial decisions you can make today to protect your tomorrow.
Whether you’re pivoting careers, growing your family, or just want to make sure you’re covered—term life is a solid step forward.
Ready to see if term life insurance is right for you?
Let’s talk. I’ll walk you through real-life examples, answer your questions (without the jargon), and help you figure out exactly what Term Life Insurance is and if it could be part of your bigger money move.
👉 Book your free IUL strategy call today »
👉 I get so many questions about how this insurance career works — especially from women considering a career change. Here’s the real deal on what it’s like to sell life insurance.
👉 Not sure where to start? Let’s talk about your goals and build from there — no pressure.
👉 Want to dive deeper into how life insurance plays into your money moves? Grab my free guide right here.
Let’s make a money move that feels right, wise, and full of purpose.
