Term Life Insurance

GoInsurancePAL will help you decide if term life insurance is
right for you

Term life insurance protects the policyholder for a set term, usually from 10 to 30 years. Term life is affordable and is usually the way to go for most people. Speak with a GoInsurancePAL expert to find out if this is the insurance that will fit in with your lifestyle.

We’ll be your guide to easily find and obtain the right term life insurance for you


Let the experts at GoInsurancePAL guide you in finding the term life Insurance that best fits your needs. Our team will go over all the options available to you and find the best plans, with the best premiums, to make sure that not only are you covered, but that you have the best coverage available at the best price. When you choose GoInsurancePAL, we will help you to better understand term life insurance and how the right policy will work to protect your family in case of an untimely death due to illness or accident.

Home Insurance FAQs

What term life rider options are available?

Our Term Life insurance policies include riders to provide you with benefits while you are alive, not just when you die.  These riders enable you to use some of the value of your policy while you are alive to help pay for your care. These riders include:

  • Terminal illness
  • Critical injury
  • Critical illness
  • Chronic illness

Some people also choose to have, for an additional cost, a term of premium rider, that enables you to get all of your premiums back if you don’t use the policy during the term.

How much does a typical Term Life Insurance policy cost?

Term life insurance is the lowest price death insurance, about 1/3 the cost of whole life, or permanent life, insurance. At the end of the term the insurance either expires or the policy holder can continue the policy at a much higher premium – usually about 13x higher.  

The premium for a term life policy depends on a number of factors, including: 

  • Age 

  • Health 

  • Smoking status 

  • Amount of the coverage 

How long should the term of the life insurance be?

Generally we suggest choosing a term insurance policy for the maximum term you are either able to receive or are financially comfortable with. Often this is a 30-year policy.  Our term life policies are simply about a death benefit but include benefits you can use while you are alive to cover chronic, critical or terminal illnesses.   

How much insurance should I have?

There are different rules of thumb for how coverage you need depending on your personal situation and goals. Often, we start looking at either having enough coverage to pay for your monthly expenses or replace your income until age 70.  Because whole life insurance is more expensive than term life insurance, a combination of both policies can provide less expensive coverage while you’re young while locking lower rate for a permanent whole life insurance policy.  

Infinite Banking


With GoInsurancePAL, you can learn the comparison between Infinite Banking and a conventional savings account. Ask us how your assets can grow, what you need to get started and if your money is safe. Our experts can answer all of your questions.

Why Choose GoInsurancePAL

We help you build the term iife protection that
you want and deserve

Term life insurance benefits with GoInsurancePAL:


  • Qualified support when you need it
  • Easy to apply
  • Selection of plans to meet your budget
  • Benefits higher
  • Lower pricer
  • “1-on1-approach” to protecting you and your family
  • Nurturing and caring term life insurance experts
  • We make term life insurance simple to understand, act and benefit from
  • More than just insurance – we care about people

Speak with an Insurance Expert

Call: 877-GOINS99



Let's Get You Protected

We'll find you the right insurance at the best price

This program works!

I contacted GoInsurancePAL as my cash and annuities were not growing at all where I previously had my money. GoInsurancePAL qualified me to start an infinite banking account, and without spending any of my cash value, I was able to take a tax- free policy loan and pay off both of my automobile loans, all of my credit card debt, and I was able to take a policy loan to pay some back taxes without spending any of my own money in my cash value or in my personal public bank accounts. This program works, and I recommend you contact GoInsurancePAL to help you like it did my family and me.

Thomas C. San Antonio, TX

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Speak with an Insurance Expert

Call: 877-GOINS99



Let's Get You Protected

We'll find you the right insurance at the best price

25 years

of protecting your loved ones


satisfied clients


client retention

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