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Affordable Term Life Insurance

The independent agents at William Barabas & Associates Ins. can get you into a term life insurance plan that covers the period of time that you want with a premium you can afford. Term life insurance is like renting a house.  Term life insurance is a good way to have life insurance without the high premiums and is available on an individual and group basis.

Term life insurance provides protection for a specific period of time, generally ranging from 1 to 30 years. Your premiums are generally lower because you are just paying for the death benefit and the plan carries no equity or cash value. If your term runs out you will have to reapply for life insurance, but might pay higher premiums then you originally payed.

What is Term Life Insurance?

Term Life Insurance typically carries lower rates than other life insurance plans and allows you to insure yourself for a specific amount of time at a fixed rate. Our independent agents have over 27 years of insurance experience and can help you select the right plan for you!


Term life premium is inexpensive. Rate for term life is guaranteed for 10, 15, 20, and 30 years. At the end of the term, the policy holder must re-apply for coverage.

Term Life Insurance Advantages

Great rates on Term Life Insurance! Call us now to speak with an agent!