Term Life Insurance

Protected life in 10, 20 or 30 years

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What You Get


  • Guaranteed death benefit for a specific period of time
  • Economic pricing of term life insurance

Why You Need It

  • To financially secure your family in the event of your passing
  • High-risk cover

Term Life Insurance


This type of life insurance policy provides protection for a defined period of time – usually 10, 20, or 30 years. It is designed to financially help your family if you pass away during the specified term. Once the term ends, you can either renew it for another term, convert the insurance to whole life coverage or allow the policy to conclude.

Term life insurance only includes the guaranteed death benefit and no other features like savings or investments. The premium for this is largely based on your age, health, life expectancy, and the value of the death benefit that you opted for. Generally, the higher the death benefit value, the higher your premium will be.

As compared to whole life insurance, term insurance is cheaper because it is temporary and only provides a death benefit. The death benefit that will be received by your beneficiaries may be used to cover your funeral costs or mortgage debts. However, if the defined period you chose ends before your passing, your beneficiaries won’t be able to receive any cash benefit. Hence, you need to extend it to another term. If you do so, the premium will also be recalculated according to your higher age at the time of renewal.

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Protect your investment and stay in the business even after a loss. We have a variety of options for all businesses.

Home Insurance

Safe-keep your place of refuge. Insurance options include property, general liability, and more.

Our Customers

I was very lucky to have Mr. Casey Clem as my insurance agent. He was very professional and not aggressive. He did a great job finding a policy that would work for me. He took into consideration all of my wants and needs in finding the right plan. He came to my home and we were personally able to discuss the different types of insurance and were successful in choosing the right one for me. When I had concerns he was very patient and explained things so that I could understand them. I would definitely recommend Mr. Clem to anyone needing to find insurance for themselves or their family.”

Shannon Arnold

“Casey is experienced in helping you find the best policy for your needs. Very professional and really caring for the people he helps. Casey and his team will take great care of you. Highly recommend it.”

Timothy Hamilton

” Casey helped me get a better plan with better coverage! If you need an agent, Casey is a good one!”

Elizabeth Patterson

“Casey helped me get more coverage for less money. He was very knowledgeable about all the options available and helped me pick the right plan. Thanks, Clem Insurance Group!”

Janice Rucks

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