Term Life Benefits

Term life insurance is perhaps the most basic form of life insurance.

It usually provides affordable protection, often with a guaranteed premium, for some period of time.
If the insured should die while the policy is in force, the face amount is paid to the named beneficiary.
At the end of the premium guarantee period, the insured can renew the coverage at a higher premium.
The premium for term life insurance is initially lower than a comparable permanent insurance policy; however, it can increase at each renewal.
This initial lower premium usually makes term insurance an ideal choice for individuals with a temporary need for life insurance protection.

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.