> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Term life insurance

> What term life insurance is — income protection for a set number of years.

**Term life insurance** pays a death benefit to your beneficiaries if you die during a chosen period (the “term”), such as 10, 20, or 30 years.

## Why people choose term

* Replace income while kids are young or a mortgage is large
* Cover a specific financial obligation for a known window of time
* Often more affordable than permanent life for a given death benefit (pricing varies)

Term policies typically do **not** build cash value like some permanent products. When the term ends, coverage ends unless you renew, convert, or buy a new policy (subject to underwriting and product rules).

## Honest framing

Life insurance is about people who depend on you — not scare tactics. The right amount and length depend on debts, income, and who would need support.

## Next step

Curious whether term life fits? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=term-life-insurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=term-life-insurance)