Term Life Insurance – Affordable Protection for a Set Term

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Coverage for When You Need It Most

Term life insurance in Wisconsin is straightforward: choose a 10, 20, or 30-year term, and your loved ones receive a tax-free benefit if you pass during that period. For families in Sherwood, Appleton, and the wider Fox Valley, it’s a practical way to cover time-bound needs like a mortgage, childcare, or college tuition while keeping premiums low. Head Insurance Agency explains how level term works, what “convertible term” means, and when to consider increasing coverage as life changes.


Our life insurance overview shows how term fits your full protection plan, while whole life insurance may make sense if you want lifelong benefits.

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Choose Your Term & Coverage

Match the term length to your goals: a 20-year term can carry a newborn through high school, while a 30-year term often mirrors a 30-year mortgage. Many Wisconsin households select coverage equal to 10–12x annual income to replace earnings, pay debts, and provide breathing room. You can also layer multiple terms—say, a 30-year base plus a 10-year rider—to keep costs efficient as needs decline. If you later want permanent coverage, many carriers allow conversion from term to universal life insurance within set windows.

Why Term Life?

Families choose term for budget-friendly protection during the years of highest responsibility. Premiums are level for the chosen term, coverage amounts are flexible, and policies can include riders like child term or waiver of premium. Head Insurance Agency helps determine the right amount and term length for your household in Sherwood or Appleton so you’re not overpaying—or underinsured.

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Term Life FAQs

  • How does term life work?

    It pays a lump sum if the insured dies during the policy term.


  • What happens after the term ends?

    Coverage ends; you can re-shop, renew (usually at higher cost), or convert if your policy allows.


  • Is term life cheaper than whole?

    Yes—term generally offers the lowest cost per $1,000 of coverage.

  • Can I change coverage later?

    You can apply for changes or add a new policy; conversions to permanent coverage are often available within time limits.