Term life insurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
I am James Sparkman. I am the founder and CEO of TermLife Mutual. I am afamily-oriented person. My wife and I have been married for over 20 years! We have 5 children. We have 2 set of twins and 1 middle child. Since joining the financial services industry in 2004, I have made it my focus to help individuals, families and business owners save money on life insurance costs, reduce taxes, protect assets, build wealth and eliminate debt. While I try to help everyone that I can, I particularly enjoy working with those that seek to enjoy the journey of life.
TermLife Mutual is a life insurance agency that primarily provides individuals, families, and business owners with Term Life insurance. While TermLife Mutual’s flagship product is Term Life insurance, we do have other insurance products and services. Our goals are to help insure America with quality life insurance.
We work with multiple life insurance companies however our primary partner is Haven Life who are wholly owned by MassMutual Life insurance company. MassMutual is an A+ rated life insurance company that has been around for over 160 years.
Most of life insurance industry is still catching up with the times of internet and technology. Most life insurance is still sold thru a life insurance agent. At TermLife Mutual, we have partnered up with one of most up-to-date technology to allow our clients to purchase life insurance without the need for agent nor medical exams (no needles). This is our strong point that separates us from most life insurance agencies. We have platform that you can complete a quick application in less than 10 minutes without the need for agent. Our partners at
has the technology and secure site for quotes and applications for our products and services. Amazingly this technology was developed by Levinson and Associates, who are leading the way in advancing life insurance products. Once you decide on the amount of your term life insurance, you can simply click for quote, scroll down until you see the LIFE icon, receive quote and then move forward with a simple application. We welcome you to the family of TermLife Mutual!