Term Life Insurance

Term life insurance is still the least expensive way to provide your family with the financial security and instant cash they will need upon your death. This policy will ensure that your loved ones receive the proceeds quickly and confidentially, and in most cases, free of all federal and state income tax.

Our plan is guaranteed renewable and offers guaranteed level premiums for the first 10, 15, 20, or 30 year terms, whichever you choose. Your policy will be issued by one of the largest, strongest and most highly respected life insurance companies in the country.

There is no risk involved with applying, as no payment will be requested until you receive your policy and are completely satisfied. Also, to respect your privacy, no agent will call you to request an appointment or to persuade you to enroll.

Policy Highlights

  • Level Benefit: Coverage remains the same until age 95.
  • Benefits Paid in Cash: Upon proof of death from any cause and any location in the world, benefits are paid in cash. Benefits can also be paid in installments, if preferred. (Suicide excluded during the first two policy years.)
  • The policy will be issued by one of the largest life insurance companies in North America.
  • Convertible: At any time during your term (or up to age 70), the term insurance can be exchanged for a Universal Life insurance policy without further health evidence.
  • No-Risk Guarantee: You pay nothing until you receive your policy and are completely satisfied.
  • Your spouse may also apply for coverage. Spouses may select any amount of coverage and can participate even if you choose not to enroll.


To determine your life insurance premium, please download the PDF file. Quarterly premiums for $100,000 to $1,000,000 are illustrated. Amounts up to $5,000,000 are also available and a quote will be provided upon request. For example, the quarterly premium for a 10 year, $250,000 policy for a male age 50 is $78.65. When the policy is issued to you, the premium is guaranteed not to change for the entire term period.  Annual, Semi-annual, and Monthly premiums are available.  If you pay annually, the premium is less than if you choose one of the other payment options.

Once you’ve selected the plan you desire, apply for coverage by visiting the request form page by clicking on “Apply Now”. Then fill out your information. Evidence of good health will be required.

Apit Term Life request form 

(866) 750-6053