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Licensed life insurance agent · Serving clients nationwide

Maximum coverage, minimum cost.

Term life insurance protects your family for the years you need it most — a mortgage, raising kids, your working years — at the lowest cost per dollar of coverage.

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Permacare heart mark

Shopping your case across top-rated carriers, including

Americo Ethos Mutual of Omaha Transamerica Royal Neighbors of America Corebridge Financial
What it is

Simple, affordable, effective.

Term life insurance covers you for a fixed period — typically 10, 20, or 30 years — at a rate that's locked in for the entire term. If something happens to you during that window, your family gets the full death benefit.

It's the most straightforward way to get a large amount of coverage for a small monthly cost, which is why it's often the first policy people buy.

10-30yr
Term lengths available
Lowest
Cost per dollar of coverage
Fixed
Rate for the entire term
A smiling couple outdoors by a lake, the kind of family Permacare covers
50 states
Licensed nationwide
15+ carriers
Independent access to top-rated insurers
What it can look like

An illustrative example

Every quote is personal, but here's what term coverage can look like for a healthy 35-year-old.

Coverage amount$500,000
Term length20 years
Monthly premium$28 per month
Rate guaranteeLocked for the term

Example only, based on a healthy 35-year-old, preferred plus rate class. Actual premiums depend on age, health, gender, coverage amount, and carrier — Permacare will get you an exact, personalized quote before you commit to anything.

Who it's for

Built for a specific window of life.

New homeowners

You want your mortgage covered so your family isn't forced to sell if something happens to you.

Parents of young kids

You want income replacement until the kids are grown and out of the house.

Budget-conscious buyers

You want the most coverage possible for the lowest monthly premium.

What's included

The key features

Fixed rate for the entire term
Terms of 10, 20, or 30 years
Highest coverage per dollar spent
Simple, easy to understand
Some policies convert to permanent coverage
Fast approval process
Is this the right fit?

Term vs. whole life

Both are legitimate, well-used tools — which one fits depends on your budget and how long you need protection.

Term life · Permacare

Lower cost, set window

  • Lowest starting cost for the most coverage
  • Built for a specific window — a mortgage, your working years, until the kids are grown
  • Simple by design: a fixed term, a fixed rate, no cash-value tracking
Whole life

Permanent, guaranteed

  • Rate is locked in and never increases
  • Builds guaranteed, tax-deferred cash value over time
  • Never expires as long as it's funded

Both are legitimate, well-used tools — Permacare walks you through both honestly before you decide. Not sure which one you need? That's exactly what the first call is for.

How it works

Get covered in 3 easy steps

No middlemen, no guesswork — just three simple steps to a rate that's yours.

STEP 01
1

Quick conversation

A 15-minute call about your family, your budget, and what protection actually makes sense right now.

STEP 02
2

Matched to a carrier

Permacare shops your case across top-rated insurers to find the strongest rate for your health and goals.

STEP 03
3

Locked in

Once approved, your rate and coverage are set. Nothing changes again unless you want it to.

Got questions?

FAQ

Coverage ends unless you renew or convert it. Many policies let you convert to a permanent policy without a new medical exam — Permacare can tell you if yours qualifies.
A common rule of thumb is 10-12 times your annual income, but it really depends on your debts, dependents, and goals — that's exactly what the first call is for.
If you need coverage for a specific window — like until the mortgage is paid off — term is usually the more affordable choice. Permacare walks you through both honestly before you decide.
Many term policies include a conversion option, letting you switch some or all of the coverage to a permanent policy without a new medical exam, usually within a set window. We'll confirm whether your policy includes this before you apply.
It depends on your age, health, and how much coverage you want. Many term policies — especially smaller amounts — use simplified underwriting with no exam required. Larger policies may call for a quick health questionnaire or exam. We'll tell you exactly what applies before you apply.
Match it to how long you need the coverage — a 20 or 30-year term to cover a mortgage or until your kids are grown, a shorter term for a specific near-term obligation. We'll help you land on the right length for your situation.

Ready to see what your rate looks like?

One short call is all it takes to find out what you qualify for. No pressure, no obligation — just real numbers.

See your rate Call (443) 815-8024 or email life@permacareco.com