EMPRET insurance
Life Insurance
Protection should't be complicated
Life can be unpredictable, but your insurance shouldn't be. Our Term Life Insurance offers straightforward, affordable coverage for 10, 20, or 30 years — with level premiums that never increase during the term. No confusing extras. No hidden costs. Just dependable protection backed by Class A rated carriers.
In most cases, no medical exam is required — just answer "yes" to five simple health questions to get started. If any answers raise a flag, a medical review may be needed.
3 FLEXIBLE OPTIONS
10
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Fixed premium and death benefit for 10 years
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Great for covering loans, income gaps, or business obligations
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Typically no medical exam required with 5 health questions
YEARS
20
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Level price and guaranteed benefit for 20 years
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Designed for income replacement or mortgage protection
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No medical exam required in most cases
YEARS
30
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Premium and benefit locked in for 30 years
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Ideal for young families, long mortgages, or legacy planning
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Just 5 health questions to qualify — exams only if needed
YEARS
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