🕊️ Term Life Insurance

If Something Happens
to You, Your Family
Won't Face It Alone.

Term Life Insurance from Mocombe Financial Services pays your beneficiary a direct cash benefit of $20,000 to $150,000 if you pass away. No medical exam — just a health questionnaire. Enrolls in the same portal as Critical Shield.

Enroll Online in 5 Minutes → 📞 Call Us
🔒 Secured by Allstate Health Solutions ✓ Licensed Independent Broker ✓ No Obligation
🕊️ Life Insurance
Term Life Insurance Also Covers Critical Illness
8 benefit levels from $20,000 to $150,000. Your family receives a direct cash benefit — to use any way they need.
8 Levels from $20K to $150K
Enroll Online Now →
$150KMaximum Benefit
8Benefit Levels
No ExamHealth Questionnaire Only
Age 85Auto-Renews Through
5 YearRate Guarantee
Why This Plan

Key Benefits at a Glance

Everything you need to know about what this plan covers and why it matters for your family.

💵

Cash to Your Beneficiary

100% of the benefit goes directly to the person you name. They use it any way they need — mortgage, tuition, daily expenses, whatever matters most.

📋

No Medical Exam

Complete a health history questionnaire online. No doctor visits, no blood draws, no physical exam required.

🔒

5-Year Rate Guarantee

Your premium is locked in for 5 years. No surprise increases in the early years of your policy.

🔄

Auto-Renews to Age 85

You don't have to remember to renew. The policy continues automatically so your family stays protected.

👫

Spouse Coverage Available

Add your spouse to the same application for their own benefit level and coverage — two people protected, one enrollment.

Enrolls With Critical Shield

This plan enrolls through the exact same portal as Critical Shield. Get life protection AND critical illness coverage in one application.

How It Works

Three Simple Steps

Getting enrolled and covered is straightforward. Here's exactly what happens.

1

Choose Your Level

Select a benefit level from $20,000 to $150,000 based on your family's needs and budget.

2

Complete Questionnaire

Answer a health history questionnaire online. No medical exam, no doctor visit required.

3

Family Is Protected

Upon your passing, your named beneficiary receives 100% of the benefit — direct cash, no restrictions.

Start Your Application →
Common Questions

Frequently Asked Questions

Honest answers to the questions we hear most. Still have one? Ask our AI advisor or call us directly.

How do I choose my benefit level?
A common rule of thumb is 10x your annual income. But think about what your family would need: mortgage payoff, years of income replacement, college tuition. Choose the level that covers those needs.
Can I enroll in Term Life and Critical Shield together?
Yes — and that's exactly what we recommend. Both enroll through the same portal in one application. Critical Shield pays you if diagnosed. Term Life pays your family if you pass. Together they create complete protection.
What is the health questionnaire?
A series of questions about your medical history — conditions, medications, prior diagnoses. No physical exam or blood work required. The questionnaire determines your eligibility and rate.
What does the 5-year rate guarantee mean?
Your premium rate is locked for the first 5 years. After that, Allstate Health Solutions has the right to adjust rates with appropriate notice.
Is this the same as whole life or universal life?
No — this is term life, which means it covers you for a defined term (10 years, auto-renewing). It does not build cash value like whole life. It is straightforward, affordable death benefit protection.
Complete Your Protection

Families Who Add These Plans Are Fully Covered

Most families benefit from layering 2–3 plans. Here are the most common companions to this coverage.

🛡️ Critical Shield
Cancer, Stroke & Heart Attack. Enrolls in the same application. $25K–$75K paid to YOU if diagnosed.
Add Critical Shield →
🏥 Hospital Expense Protection
Fixed benefits for hospital stays, ambulance, ICU. Cash paid directly to you. Starts day one.
Enroll in Hospital Plan →
💚 My LIFE Wellness
$19.50/month for your whole family. 24/7 telemedicine, Rx discounts, dental and vision savings.
Enroll in Wellness →

Give Your Family the Protection They Deserve

Enroll in Term Life — and add Critical Shield in the same application. Both plans, one portal, five minutes. Or call Mocombe Financial Services for personal guidance.

Enroll Online Now → 📞 Call Mocombe Financial Services
Term Life Insurance is underwritten by National Health Insurance Company, marketed as Allstate Health Solutions. Policy has a 10-year term with a 5-year rate guarantee and auto-renews through age 85. Product is medically underwritten. No dependent coverage or child-only policies. Suicide exclusion applies within first 2 years. Available in AK, AL, AR, AZ, CA, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, WY.