Term Life Insurance
Affordable coverage for a set period, with no exam under 40 for many applicants.
“Term life is simple, affordable protection for the years your family needs it most. It is one of the easiest ways to give them peace of mind.”
What is term life from Absolute Insurance?
Absolute Insurance Agency is an independent agency in Clive, Iowa that helps families across the Des Moines metro protect their income with term life insurance. Term life provides a death benefit for a set period, such as 10, 20, or 30 years, at the lowest cost of any life insurance, which makes it a popular choice for young families and new mortgages.
What is term life insurance?
Term life insurance covers you for a fixed period and pays a death benefit if you pass away during that term. It is the most affordable type of life insurance because it does not build cash value. Through Absolute Insurance, many applicants under age 40 can qualify with no medical exam, with benefits up to $500,000. Term often pairs with whole life for layered protection.
How long should my term be?
Match the term to the obligation you are protecting. A 30-year term can cover a new mortgage and young children, while a 20-year term may fit a family with older kids. Absolute Insurance helps you size both the term and the benefit so coverage lasts as long as your need does.
"With insurance, a lot of times, you get what you pay for."
How do I get a term life quote?
Request a free quote online, call 515-279-2722, or email service@insaia.com. An Absolute Insurance agent in Clive, Iowa will compare options across our carriers and recommend the right coverage. Most quotes take only a short conversation.
Frequently asked questions
Many applicants under 40 can qualify with no medical exam through Absolute Insurance, with benefits up to $500,000.
Match it to what you are protecting, such as 30 years for a new mortgage or 20 years for a family with older children.
Often yes. Many term policies convert to permanent or whole life coverage without a new exam.
