Term insurance is a life insurance policy that protects the insured for a specific time (term) frame. Often the premium and the amount of protection (life insurance amount) will be guaranteed for the length (term) of the policy. The options for term insurance vary from a one year, 5, 10, 15, 20 25, or even a 30 year guaranteed policy.

Benefits of Term Insurance: The premium will be much less than the cost of permanent whole life insurance. You will be able to buy a much higher amount of life insurance with a term policy compared to permanent life insurance. Please note, buying life insurance depends on numerous variables.

Potential Pitfall: Term insurance only offers protection for a preset length of time. For example, if you are age 30 and purchase a 20 year term insurance policy your coverage will expire at age 50.

Summary:  Term insurance is extremely useful and relevant in numerous circumstances for most people. Again, we always encourage you to call our office to discuss your personal life insurance needs and wants so we may offer you the right type of life insurance for your unique situation.  We welcome your questions at any time about term insurance.

Ten Most Sited Reasons to Buy

Term Life Insurance

  Guaranteed Universal Life Overview

Variable Universal Life Overview

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This site provides life insurance quotes and other related insurance information. Rates are not guaranteed. LowTermInsurance
Each rate shown is a quote based on information provided by the carrier. By requesting a quote, you agree to LowTermInsurance’s Privacy Policy and Terms of Use. By submitting your personal information, you are making a consumer inquiry for insurance offered by licensed insurance agents. You consent and expect to be contacted by a licensed insurance agent via phone, email, text or direct mail. LowTermInsurance will not sell your information to a third party. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Invitations for application for life insurance on LowTermInsurance.com are made through its designated agent, Jack D. Davis, only where licensed and appointed. Jack D. Davis, is a licensed life insurance agent in multiple states and in his resident state of Florida. The following agent license numbers are provided for Jack D. Davis as required by state law: KY agent # 881715, MD agent # 2171689, CA agent # 0763085, PA agent # 430420, FL agent # D001693, GA agent # 30466520. Additional licenses are available upon request. No portion of LowTermInsurance.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner. Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states and may include those issued by: ANICO – American National Insurance Company, Assurity, Banner Life/Legal and General, Sagicor, North American Life Insurance Company, Principal Life, Protective Life, TransAmerica Life. Rates and time taken to purchase a policy vary by product.Type your paragraph here.Type your paragraph here.

Call Jack today: 800.277.3098


Five Key Reasons to Purchase Whole Life Insurance

Indexed Universal Life  Overview


Whole Life Insurance  Overview

Term Life Insurance  Overview


  1. Accumulates cash over time that you can borrow/loan
  2. Provides coverage for your lifetime
  3. Offers dividends to build-up cash value
  4. Never need to take another medical exam
  5. Offers income for retirement planning

Benefits of Indexed Universal Life: Indexed life is a permanent life insurance policy. The policy builds cash value over time. The policy's cash value's growth is determined by the company's growth and annual dividend. Indexed Universal Life offers an alternate retirement plan offering tax-free loans.

Potential Pitfall:Indexed Universal Life Is a more sophisticated product and harder to understand. Projected returns are not guaranteed.

Summary:  Indexed Universal Life insurance certainly has a place for certain people and specific times in their lives. We welcome your questions about Indexed Universal Life.

Questions, thoughts, comments?  
Call Jack now at 800.277.3098 or

Email: info@lowterminsurance.com 



Benefits of Variable Universal Life: Similar to Indexed Universal Life in the sense that it is made up of life insurance and cash accumulation with various fund allocation options. The policy owner makes the financial allocation decisions.

Potential Pitfall:  Unless you are an active, astute investor, this is a policy that we do not offer very often.

Summary:  Again, we urge you to call our office to help with any confusion you may have regarding the numerous life insurance options available.


Benefits of Whole Life Insurance: Coverage protects you for your entire lifetime as long as you fulfill the payment obligations. Whole life insurance builds "cash value" which ultimately may be used, combined with dividends, to help pay all or part of the premiums due in later years.

Potential Pitfall:Whole life insurance is much more expensive than term life insurance. This higher premium may result in buying less life insurance coverage than you may need.

Summary: There is absolutely a time and a place to purchase whole life (permanent) life insurance. Again, we always encourage you to call our office to discuss your personal life insurance needs and wants so we may offer you the right type of life insurance for your unique situation. 

Understanding Term, Whole Life, Indexed, Variable & Guaranteed Universal Life Insurance 

Benefits of Guaranteed Universal Life: The guarantees offered in Guaranteed Universal Life are the primary differences when compared to Indexed Universal Life and Variable Universal Life.  

  • Premiums are set to last until age 105 and beyond.
  • Guaranteed Death Benefit
  • Very low investor volatility
  • "Safe" insurance policy
  • Lower premiums than Whole Life policy

Potential Pitfall:Many Guaranteed Universal Life policies do not build cash values.

Summary: As with all our advice, with the numerous options available to our clients, we strongly urge you to contact our office for a free consultation about your specific insurance needs. 

  1. To protect the financial welfare of a new baby should a parent pass away.
  2. To help replace the devastating loss of salary from the death of a parent.
  3. To cover the balance of a home mortgage
  4. To protect the payments required for an SBA loan or Bank loan.
  5. To ensure a key employee
  6. To satisfy a divorce decree
  7. To protect the assets of grandparents who are helping their children raise a grandchild in a single parent environment.
  8. To help fund your child's college in the event of a loss of a parent.
  9. Leave money to your favorite charity
  10. To fund your grandchildren(s) college expenses


Jack D. Davis

Owner, Est. 1985.