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Term Life Insurance from USAmeriCare

When you schedule an appointment with USAmeriCare to discuss life insurance, your call will be handled directly by James Cates or by one of his hand-picked insurance brokers right here in the USA. You'll also receive your complimentary USAmeriCare Life Insurance Guide. Headquartered in Jacksonville, FL, we serve individuals and families from Georgia, Florida, South Carolina, Virginia, and Kentucky.

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Term Life Insurance

What is Term Life Insurance?

Term life insurance is a specific type of life insurance that guarantees a lump sum payment to the beneficiaries if the covered individual dies within a designated period of time. Once the term life insurance expires, the insured individual has the option to renew the term life insurance policy, terminate the policy, or convert the policy into permanent coverage.

Term life insurance differs from regular life insurance policies as it only covers an individual for a specific period of time. If the covered individual dies within that specified period of time, the chosen beneficiaries will receive the face value of the chosen policy from the insurer. This money is typical to be used for funeral costs, medical bills, debt, amongst other things. If the policy expires before the insured individual’s death, then there is no payout from the insurer, and the insured individual has the opportunity to decide how to renew or terminate their policy.

Policy prices are determined based on the payout amount of the policy and the individual’s age, gender, and health.

Is Term Life Insurance Really Necessary?

Any type of life insurance is a necessary purchase to protect your family in the event of an unexpected death. Individuals who are the main financial provider for the family especially need a life insurance policy to ensure that their beneficiaries can continue paying house mortgages, debts, and other bills without the main source of income.

Term life insurance is specifically designed to ensure that after the death of a family member, beneficiaries still have the needed funds to pay for the funeral costs, medical bills, rent or mortgage, estate taxes, as well as personal or family debts. Because of this, life insurance is an incredibly important type of insurance to protect loved ones in the future.

Term life insurance is a great type of life insurance for individuals who want to protect their family in the event of an unexpected death, but feel as if the long term insurance premiums are daunting expenses. While an individual is still the main source of income for the family, or still paying off debts, mortgage payments, and other bills, a term life insurance policy allows them to feel confident in their families’ security after their death. As they transition out of being the main source of income or pay off some of those bills such as their mortgage, they may choose to change their term life insurance policy to have a smaller payment after death as their family may not need the extra money as much.

It’s important to work with a trusted insurance broker to understand what the policy covers and when the insurance will pay, and determine which type of term life insurance policy is best for you.

The USAmeriCare Difference

When you schedule an appointment with USAmeriCare to discuss insurance, your call won’t be sent to a call center overseas. Instead, your inquiry will be handled directly by James Cates or one of his hand-picked insurance brokers right here in the USA. Headquartered in Jacksonville, FL, we serve individuals and families from Georgia, Florida, South Carolina, Virginia, and Kentucky. Request an appointment with one of our Term Life Insurance Specialists and receive your complimentary USAmeriCare Life Insurance Guide. We look forward to meeting you and being your advocate in the world of insurance.

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Meet Your Broker

James Cates, USAmeriCare Founder

Experienced insurance broker James Cates founded USAmeriCare to help Floridians and Georgians plan for their futures and make informed decisions about insurance. James has over 22 years of experience in the insurance industry.

James and his wife Sue have been involved in /international missions for years, making many trips to Mexico and Haiti. James volunteers with Lend An Ear Outreach, providing hearing aids to those in need including children in the St. Johns County school system. Sue volunteers as a Mentor Mom for young mothers at our church.

Professionally, James continues serving his clients as an insurance broker through his company, USAmeriCare. The insurance world is ever-changing and ever-evolving. James and his hand-picked team are committed to providing clients with insurance education and advocacy. With USAmeriCare, you aren’t just a policyholder, you’re a person. We look forward to getting to know you, your goals, and providing a roadmap to help you meet them.

“My passion is not selling, but to inform and educate every individual to a position of understanding and then to a clear decision of doing what’s right!”
-James Cates

What Does Term Life Insurance Cover?

Term life insurance policies are designed to provide for your loved ones after your death. As each family has different needs and expenses, a term life insurance can be customized to cover your loved one’s specific needs. Be sure to speak with a trusted insurance broker before purchasing any term life insurance to ensure that you understand the terms and conditions of the policy.

Common term life policies cover the following and much more:

  • End of Life Expenses
  • Mortgage
  • Consigned Debts
  • Child Care
  • Future College Tuitions
  • Day-to-day Bills
  • Business Continuation expenses
  • Key man coverage

To learn more about different term life insurance policies and what they each specifically cover, contact the experts at USAmeriCare today!

Plans as Low as $14/mo

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Some Kind Words From Clients

“I couldn’t have been more pleased and amazed by the service provided by USAmeriCare. What a fantastic and refreshing approach towards obtaining life insurance with no pressure, no obtrusive phone calls, straightforward information, and advice. A definite departure from previous experiences dealing with a consummate professional, rather than a salesman! Without any reservation whatsoever, I would highly recommend that anyone seeking advice on matters of life insurance place a call to USAmeriCare. You will be as pleasantly surprised as was I!”

D. Weitzel, Kentucky

“It’s nice to have your expectations in a business not only met but exceeded! USAmeriCare provided us with professional, friendly & effective service…..Many thanks for your efforts which allowed us to get the exact coverage we needed.”

D. Tennyson, Georgia

“Thank you very much for your services. I felt like I got the personal attention and expertise necessary to get the best life insurance policy for my husband and myself at the very best rates. You were always helpful, courteous, and knowledgeable, and always responded to my phone calls and emails promptly. I appreciate that, even after repeated questions, concerns, you never made me feel as if you were too busy to continue to assist me. All in all, I am very satisfied with your services and would recommend you to anyone asking for assistance in choosing life insurance. Thank you.”

C. Pilkington, Florida

One USAmeriCare, Many Possibilities

A small, reputable insurance brokerage firm, USAmeriCare prides ourselves on providing personalized insurance consulting for everyone who walks through our doors. Unlike large insurance companies who see each client as just another number, USAmeriCare establishes a relationship built on trust with each of our clients.

We offer affordable insurance and retirement solutions to empower people to live longer, healthier lives. Since the mid-1990s, USAmeriCare agents have collaborated with people to learn their stories and find insurance and retirement solutions to address their concerns and ease their fears of the unknown.

What hasn’t changed over the years is our commitment to helping people live happier and healthier lives through information and education.

Today, USAmeriCare has 45+ affiliate insurance offices throughout the United States and is growing and expanding into new markets. We work with 70+ carrier partners, many rated “A+” or “A” by A.M. Best, a U.S. – based insurance industry rating agency. This allows our agents to offer an extensive portfolio of quality annuity, life, and health insurance products.

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USAmeriCare, Inc.

8081 Philips Highway, Suite 10,
Jacksonville, FL 32256

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Local (904) 600-3650
Toll Free800-691-2906
Fax 904 701 6260

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800-691-2906