Term Life Insurance – Affordable Protection

What Is Term Life Insurance?

Term life provides coverage for a set period—10, 20, or 30 years. If the insured passes away during the term, the policy pays a benefit to help cover income, mortgage, or education needs. It’s a practical, budget-friendly option for families across Long Island, the NYC boroughs, and Westchester.

Benefits of Term Life

Often the lowest-cost way to secure high coverage, term life is flexible and designed for temporary needs—like years left on a home loan or until kids finish school in Queens, Brooklyn, or Nassau.

Choosing a Term Length

Align the policy with your timeline—match a 30-year term to a 30-year mortgage, a 20-year term to the years until retirement, or a 10-year term to bridge shorter goals. Gail Siemer Insurance can help you run a quick needs analysis.

Term Life for Seniors

New policies become harder to secure at advanced ages, and longer terms may not be available. Gail will check for shorter terms or alternatives—such as final expense or permanent coverage—so older New Yorkers still have options that make sense.

Convertibility and Options

Many term policies include the ability to convert to whole life before the term ends—no new medical exam—so you can keep coverage in place permanently if needs change.

Questions Gail Hears Most (Quick Answers)

Secure Your Family’s Future

From Melville to Midtown, Gail Siemer Insurance helps you decide on the right term, coverage amount, and riders—so your family’s plans stay on track.