Term Life

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Plan for the Unexpected Today

Term life insurance is designed to provide low-cost life insurance for a stated period of time, usually between 1 to 30 years. In the event of a tragedy, it can help:

  • Maintain your family’s lifestyle (income replacement)
  • Keep your family in their home (mortgage payoff)
  • Remove debt burdens (credit card/personal loan payoff)
  • Finance a child’s education
  • Pay for funeral expenses
  • Protect your spouse’s retirement plans
  • Continue a business

    Fully Underwritten Term

    Review the information below and get a no-obligation quote today or contact us to help you find the right coverage for you and your family.

    Fully Underwritten Term

    Coverage Amounts

    $100,000 - $5,000,000

    Level Term Options

    10, 20 or 30 years

    Underwriting Requirements

    Medical exam may be required

    Age and Health

    Ages 18 to 80, with some pre-existing conditions acceptable

    Policy Issuance

    6 to 8 weeks after application, if qualified

    BB&T Life Insurance Services1

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    Underwriting Requirements

    • A traditional underwriting process requiring a thorough review to qualify.
    • Your health status could result in a lower premium cost.

    Fully underwritten term life insurance is available through BB&T Life Insurance Services. Whether you apply online1 or contact us first, you will have access to more than 100 highly rated insurance companies and a dedicated team of life insurance professionals to help you every step of the way.

    Beyond Term

    Term life policies are generally less expensive than permanent life insurance. Some term products may be convertible to permanent insurance without going through medical underwriting. In general, term insurance is well-suited for those with protection needs for a defined period of time or a low premium tolerance.

    Permanent life insurance is designed to offer lifetime protection along with the ability to accumulate cash value on a tax-deferred basis. There are different kinds of permanent insurance, such as Whole Life and Universal Life. Our insurance specialists can help you find the product that suits the needs of you and your family, including comparisons of various products and carriers.

    Other insurance solutions we can help you with include:

    • Policy review of your existing coverage
    • Long-Term Care
    • Disability Income
    • Health

    1Online processing of term life insurance is through InsureNOW Direct, a division of Crump Life Insurance Services, Inc.

    Life insurance products are offered through Crump Life Insurance Services, Inc., doing business as BB&T Life Insurance Services, a subsidiary of BB&T Insurance Holdings, Inc.

    Policies contain exclusions, limitations, reductions in benefits and terms for keeping them in force. We can provide you with costs and complete details. BB&T Life Insurance Services is an independent organization and is not an affiliate of Prudential Financial.

    Variable life insurance products and variable annuities are distributed through P.J. Robb Variable Corporation, a subsidiary of Crump Life Insurance Services, Inc. Member FINRA.

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