Simple Coverage for Life’s Big Moments

Term Life Insurance in Fort Worth

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South Fwy Office:

7200 South Fwy. Fort Worth, TX 76134

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South Fwy Phone:

817-223-1886

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Hemphill Office:

4043 Hemphill St. Fort Worth, TX 76110

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Hemphill Phone:

817-952-9995

Protection That Fits Your Budget

Affordable Life Insurance for Families & Individuals

Term life insurance offers peace of mind without breaking the bank. At VIP Insurance & Services, we help Fort Worth families lock in dependable coverage for 10, 20, or 30 years—so your loved ones are protected if the unexpected happens. It’s clear, affordable protection with guidance every step of the way.

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Pays a tax-free death benefit to your family if you pass during the term.

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Ideal for young families, new homeowners, or anyone with financial responsibilities.

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Lower premiums compared to permanent life insurance.

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Choose the term length that fits your goals and life stage.

What Term Life Insurance Covers

We’ll help you decide how much coverage is right and what it can help protect.

Request a Term Life Insurance Quote

Income Replacement

Helps your family cover bills, mortgage, or education costs if you’re no longer around.

Debt Protection

Pays off loans, credit cards, or final expenses so loved ones aren’t left with debt.

Family Stability

Supports everyday living expenses during a difficult time.

70%

70% of American families would struggle financially within months of losing a primary wage earner.


Source: Life Happens & LIMRA

10x Income

Many experts recommend 10x your annual income in term life coverage.


Source: National Association of Insurance Commissioners (NAIC)

$26/month

A healthy 30-year-old can often get $500,000 in coverage for around $26/month.


Source: Policygenius (2023 Data)

Your Term Life Questions—Answered

Term Life Insurance FAQs

  • What is term life insurance?

    It’s life insurance that lasts for a set number of years (the “term”). If you pass away during that time, your beneficiary receives a lump-sum payment.

  • How long should my term be?

    Common choices are 10, 20, or 30 years. We’ll help you match your term to major milestones like raising kids or paying off a mortgage.

  • Is term life better than whole life?

    It depends on your needs. Term life is more affordable and ideal for temporary needs. Whole life lasts a lifetime and builds cash value.

  • Do I need a medical exam?

    Some policies do require a basic exam, while others offer no-exam coverage. We’ll guide you to the right option.

  • Can I convert my term policy later?

    Yes, many policies allow conversion to permanent coverage without a new health exam—ask us for details.