Affordable Term Life Insurance Solutions
A & D Financial SolutionsWelcome to A & D Financial Solutions, where protecting your loved ones and planning for your financial future go very much, hand in hand. Whether you’re just starting a family, buying a home, or thinking about retirement, term life insurance plays a vital role in anyone’s financial strategy. We specialize in affordable term life insurance tailored to meet your unique needs, so you can rest easy knowing your family’s future is safeguarded.
What Is Term Life Insurance?
Term life insurance is a simple, cost-effective type of life insurance that provides financial coverage for a specific number of years. If the insured person passes away within the policy term, the death benefit is paid directly to the beneficiaries. This coverage can protect against lost income, pay off a mortgage, or fund college savings.
Unlike whole life insurance or universal life insurance, term life insurance does not build cash value. Instead, it’s designed to offer the most coverage at an affordable rate, especially during your highest financial responsibility years
Many of our clients leverage the philosophy of “buy term and invest the difference,” using the lower premiums of term insurance to free up funds for retirement, emergency savings, mutual funds, or education plans.
Why You Need Term Life Insurance
If you have children, a spouse, a mortgage, or any financial obligations, term life insurance is one of the smartest moves you can make. It serves as a temporary income replacement, ensuring your family can continue on financially if the unexpected happens.
Consider this:
- Do you have outstanding debts?
- Does someone rely on your income?
- Do you want to fund your children’s education?
- Are you protecting your mortgage?
If you answered yes to any of these, you may benefit from term life insurance for families.
Proven Trust and National Recognition
When it comes to trust, experience, and financial strength, we deliver with Primerica Life Insurance:
#1 Most Trusted Life Insurance Company (2022) – Investor’s Business Daily
America’s Best Insurance Companies (2022) – Forbes
A+ (Superior) AM Best Rating – 12 consecutive years
Better Business Bureau A+ Accreditation – Since 1980
Over $1.8 Billion in Life Insurance Benefits Paid in 2024
92% of Claims Paid Within 14 Days
More than 5.5 Million Lives Insured
$953+ Billion in Coverage In Force
We understand your trust is earned. We’re here when it matters most.
The A & D Financial Solutions Difference
We believe the path to term life insurance should be straightforward, educational, and personal. Here’s how we make a difference:
Personalized Planning
We don’t just sell policies—we help you build a financial game plan. Our licensed agents take the time to understand your goals, budget, and needs. We offer a complimentary Financial Needs Analysis (FNA) to guide your decision with clarity.
Clear, Easy-to-Read Policies
Our simplified language policies eliminate confusing jargon. Making our life insurance policies easy to read and understand.
Technology-Driven, Fast Approval
We use modern underwriting tools to deliver real-time quotes and quicker decisions—often with no medical exam required.
Local, Human Touch
Are you looking for a local agent to talk to about Life Insurance? Our agents are available for in-person or virtual consultations. We serve our communities with integrity, never pressure.
Our Method
We use the DIME method (Debt, Income, Mortgage, Education) to help calculate the right term life insurance coverage amounts. Most Americans are underinsured—experts recommend having a policy that’s 10x your annual salary, yet many have far less. Let’s change that.
Benefits of Our Term Life Insurance Plans
Term Life Options:
10, 15, 20, 25, 30 & 35 year options
We Do What’s Right for Families. Every Time.
- We Personalize Solutions and Provide Guidance
- Guaranteed Insurability to Age 95
- Waiver of Premium
- 91% of Claims Paid Within 14 Days
- Terminal Illness Benefit Rider
- Automatic Increasing Benefit Rider
- One Child Rider Covers ALL Eligible Children In Family
- Real-Time Underwriting at Time of Application
- No War or Terror Clauses
Who We Serve
- Young Adults starting their financial journey
- Middle-Income Families looking for affordable protection
- Business Owners who need term life insurance for business partners
We’re here to help you make a confident choice.
Frequently Asked Questions
Is term life insurance worth it?
Absolutely. It’s one of the most affordable ways to protect your family and assets while allowing you to invest for your future.
How does term life insurance work?
You select a coverage term (e.g., 10, 20, 30 years), pay a monthly premium, and if you pass away during that period, your beneficiary receives the payout.
What’s the difference: term life insurance vs whole life insurance?
Term life offers lower premiums and temporary coverage. Whole life builds cash value but is significantly more expensive. We believe term life insurance pros and cons should be considered in a broader financial context.
Acquiring term life insurance without a medical exam?
Yes, we offer term life insurance with no medical exam requirement.
Can I use term life insurance for mortgage protection?
Yes, many families choose term life insurance for mortgage protection to ensure their home is paid off if a breadwinner passes away.
Get Started with a Free Quote Today
Protect your family. Plan for the Unexpected. Proper Life Insurance is meant to protect your family in the unthinkable event that something happens to you too soon. Life insurance doesn’t replace a life, but it does replace the income that will go away when someone passes. The last thing anyone should want is to leave a loved one to take care of your debts, financially raising your children, final burial expenses and so on. Leave the rest, starting at Contact A&D.
- Contact A & D Financial Solutions
- Schedule a virtual or in-person consultation
- Compare your options with our easy-to-understand tools
We Make Insurance Understandable, Accessible, and Personalized.
A & D Financial Solutions – Term Life Insurance for Real People with Real Goals.
