Empowering Your Financial Future | Bunmi J Oladele
Term Life Insurance
Maximum coverage at minimum cost—protect your family during your most important years.
Why Choose Us
Benefits of Term Life Insurance
Term life insurance provides pure life insurance protection for a specific period of time. It's the most affordable way to get substantial coverage when you need it most—while raising children, paying off a mortgage, or building your career. If you pass away during the term, your beneficiaries receive the full death benefit tax-free.
Most affordable type of life insurance coverage
Choose coverage periods of 10, 20, or 30 years
High coverage amounts at low monthly premiums
Simple and straightforward—pure death benefit protection
Ideal for covering temporary needs like mortgages or children's education
Option to convert to permanent insurance later
Level premiums that stay the same throughout the term
Easy to understand with no complex investment components
Ready to Get Started?
Schedule a free consultation to learn how term life insurance can benefit you and your family.
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Schedule Your Free Consultation
Ready to secure your family's future? Book a free, no-obligation consultation with me. We'll discuss your needs and find the perfect insurance solution together.
No-obligation consultation
Personalized insurance assessment
Expert guidance from a certified advisor
Flexible meeting options
Common Questions
Frequently Asked Questions
Find answers to the most common questions about our insurance services.
How much life insurance do I need?
The amount of life insurance you need depends on several factors including your income, debts, dependents, and future financial goals. A common rule of thumb is 10-15 times your annual income, but we recommend a personalized assessment to determine the right coverage for your specific situation.
What's the difference between Term and Whole Life insurance?
Term life insurance provides coverage for a specific period (10, 20, or 30 years) and is generally more affordable. Whole life insurance provides lifelong coverage and includes a cash value component that grows over time. The best choice depends on your needs and budget.
Can I get life insurance if I have health issues?
Yes! Many people with health conditions can still qualify for life insurance. We work with multiple carriers and can help find options that work for your situation, including guaranteed issue policies that don't require a medical exam.
What is an IUL and how does it work?
An Indexed Universal Life (IUL) insurance policy combines life insurance protection with a cash value component that can earn interest based on stock market index performance. It offers potential for growth while protecting against market losses, making it a popular choice for retirement planning.
Is the consultation really free?
Absolutely! Our initial consultation is 100% free with no obligation. We'll review your current situation, discuss your goals, and provide personalized recommendations. There's no pressure to purchase anything – we're here to help you make informed decisions.
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