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Alliance Insurance Services

5440 Ward Rd. Ste. 215
Arvada, CO 80002

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How Term Life Insurance Works

Two primary forms of life insurance are each highly popular with policyholders. Each works differently and has different advantages and disadvantages. Term life insurance is one of these insurance policy types. It has some significant advantages that keep many people choosing this type of policy. When you’re interested in a term life insurance policy, call us at Alliance Insurance Services in Arvada, CO, and learn more. 

Insurance for a Term

The name term insurance is because the policy is good for only a specific term. When the policy is written, it’s made clear in it exactly how many years the policy will be in force. When a policy becomes effective, it will run for that number of years. When the term is over, the policy is no longer valid. If the policyholder hasn’t passed by the time the term is over, they will not be covered and will have to get a new policy if they still want coverage. Some insurance buyers don’t like this type of policy because it does have an expiration date. However, some choose these policies before there is a significant advantage to them. 

Lower-Cost Insurance

The significant advantage is that this insurance type costs much less than the other primary type, whole life insurance. It’s often highly affordable for policyholders. Some people who wouldn’t be able to afford whole life are able to get life insurance because of the low prices of term life policies. 

Get Your Life Insurance 

It’s always essential to have life insurance. When people depend on you, you need to have a policy in place. When you’re ready for a life insurance policy, call Alliance Insurance Services in Arvada, CO. We can tell you more and get you started. 

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Company Overview

Alliance Insurance Services founded in 1992 has a long standing relationship with both customers and community. Since our start, Alliance Insurance Services has been headquartered at 5440 Ward Rd. in Arvada, Colorado. We also have locations throughout Metro Denver as well as Northern Colorado. Alliance Insurance Services is a proud long time supporter of the Children's Miracle Network, the Better Business Bureau, and the Professional Independent Insurance Agents of Colorado.

Mission Statement

Alliance Insurance Services is dedicated to a lasting relationship with our clients and community through superior service and value. We provide security with quality products and innovative technology. Our team has created an environment that instills trust with those we come in contact with.


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