Term Life Insurance
Term life insurance is an affordable way to help financially protect those who depend on your income.
Insurance Tip
Save money on your life-insurance premiums by staying healthy. If you’re a smoker, have high blood pressure, or are overweight, your premiums may be higher. Find out more in our Life Insurance guide.
Download Life Insurance guide Download Applying for Life Insurance guideIf something happens to you, your life insurance policy may give your loved ones the financial means to:
- Settle your last debts, such as medical bills and funeral expenses
- Pay estate taxes and other costs of settling an estate
- Provide a lifetime income if you’re not there to provide for them
- Pay off a mortgage
- Afford college tuition for your children
- Provide funds for retirement
- Provide a legacy for grandchildren
TMAIT Advisors have two ways of helping you find a term life plan that meets your needs:
TMAIT has a group term life-insurance product designed exclusively for individual TMA member physicians.
Since 1969, we have worked with The Prudential Insurance Company of America to offer insurance products exclusively to TMA member physicians and their dependents. Features of our Group Term Life Insurance Plan, issued by Prudential for individual physicians, and TMAIT member benefits include:
- Coverage up to $2 million
- Life insurance coverage for your spouse and children
- Portability – take your term life coverage with you if you leave your job or leave the state, as long as you remain a member of TMA
- Future insurability option
- Review of claims and underwriting disputes by a board of fellow physicians
- A rate stabilization fund that helps keep your premiums stable
- Support of physician advocacy efforts
TMAIT Advisors can shop the open market for you.
Our Advisors search a wide range of term life or permanent life plans and present a range of options from reputable insurance carriers. We do the legwork. You get the term life plan that best suits your needs.
Our featured Trust Group Term Life Insurance Plan
With Prudential, we have designed a Group Term Life Insurance Plan specifically to meet the needs of Texas physicians and their dependents.
Learn moreRequest a quote
Complete a short online request form and a TMAIT Advisor will contact you with custom pricing, ready to discuss all your options.
Begin the quoting processYou might also consider...
These coverage types
Permanent life insurance
For some, permanent life insurance, also called “whole life,” or universal life may be better solutions than term life insurance. Permanent life insurance provides coverage throughout your entire life (not for a certain “term”), and some permanent policies have a savings component, as well. Learn about permanent life insurance
Long-term disability insurance
A long-term disability plan protects your income if you become disabled. It’s wise to purchase both life and long-term disability plans when you’re young and healthy, so you can get better rates. Learn about long-term disability insurance
Prudential, the Prudential logo and the Rock Symbol are service marks of Prudential Financial, Inc. and its related entities registered in many jurisdictions worldwide.
Group Term Life Insurance and Long Term Disability Insurance coverages are issued by The Prudential Insurance Company of America, Newark, NJ 07102. All coverages contain exclusions and limitations which are contained in the booklet certificate. Contract series 83500. CACOA# 1179. NAIC# 68241.
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