Family Guardian
News Items

    • New Appointment - Glen Ritchie

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    • Financial Services Personnel Announcement

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    • New Appointments - Otimia Pennerman, Alana Major, Andre White

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    • FLMI Designees

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    • Appointment of Chairman and CEO - L.E. Moxey

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    • Family Guardian Presents Cheque to COB

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    • Family Guardian Freeport: Relocation Notice

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    • New Appointment - Vaughn Delaney

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    • New Appointments - Bryinda Carroll, Ramon Curtis, Kershala Albury

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Life Insurance - Term Life

Term Life insurance is typically the least expensive coverage, providing basic life insurance protection for a specific period of time. Term insurance is often chosen by people who need temporary life coverage – for example to cover the period of a mortgage – or for those with a limited budget needing a large amount of protection. Term insurance is often used to cover the life of a key employee for a specific period of time to protect the continuity of business operations. Unlike Whole Life insurance, Term Life insurance has no cash values and once the term expires insurance coverage ends. Term policies typically allow you to convert to a permanent plan without a medical examination.

Family Guardian’s Term Life plans have been designed to meet the varying needs of persons seeking temporary coverage or maximum protection for minimum cost.

10-,15-, 20- and 25-YEAR TERM:

Providing coverage for a specific period


Providing life insurance protection at fixed premium rates to age 100 and convertible to a permanent plan without evidence of insurability


Increasing the coverage of the husband and wife team to protect the family. This Rider provides Term insurance for a spouse that can be attached to any permanent plan of insurance on the life of the other spouse.


Providing family coverage. This Rider provides Term insurance for a child that can be attached to any permanent plan of insurance on the life of a parent. Future children are automatically covered.

The information provided gives a general overview of the products and services provided by Family Guardian and should not be construed to be contractual information. Like most insurance policies, Family Guardian’s policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete cost and details, talk to your Family Guardian representative.