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  About Term 22

  Receive one-on-one help from the owner

  Pilots/Aviators

  Find affordable term insurance when you pilot

  Term Life v. Whole Life

  Term life insurance is more affordable

  Business Term Insurance

  Find term life insurance that fits your business

  • Key Man Insurance
  • Buy-Sell Agreement with Term Life
  • Entity Insurance
  • First to Die Life Insurance

  By Age

  Insurance By Age

  • 20s
  • 30s
  • 40s
  • 50s
  • 60s
  • 70s

  By Term

  Insurance by length of term

  • 5 Year
  • 10 Year
  • 15 Year
  • 20 Year
  • 25 Year
  • 30 Year
  • 35 Year

  States

  Insurance Informaiton By States

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
• Smoking

  Chewing Tobacco

  Not all companies charge the highest term rates

  Cigar Smokers

  Find better rates for when you smoke cigars

  Nicotine Users

  Nicotine users can find better rates

  Pipe Smokers

  Occasional pipe smokers can save on term life

• Cancer

  Prostate Cancer

  Good doctors' reports make for better rates

  Melanoma Cancer

  Being in remission means affordable rates

  Testicular Cancer

  Following doctors' orders improves rates

  Breast Cancer

  Find the lowest rates

  Thyroid Cancer

  More years cancer free means lower rates

• Heart Disease

  Heart Attack

  Find term insurance after a heart attack

  Heart Bypass

  Protect your family after a heart bypass

• Diabetics

  Type 1 Diabetics

  Find the best possible term life rates

  Type 2 Diabetics

  With medical control, rates drop

• Over 50s

  Federal Life Insurance

  Find a FEGLI alternative for less

  Pension Maximization

  Term insurance maxes your pension

  Life Settlement

  Selling your policy to pay expenses

  • Safety of Life Settlement
  • How Life Settlements Work

  Estate Life Insurance

  Leave loved ones financially secure

  First to Die Life Insurance

  Pays out when first partner dies

  Second to Die

  When partners don't need money

• Insurance FAQs

  Why should I choose Term 22?

  How does Term 22 protect my personal information?

  What is the difference between term and permanent insurance?

  How much life insurance do I need?

  What is the process for buying insurance?

  Is a Medical Exam required?

  When does coverage begin?

  When does my first premium payment start?

  How does my height and weight affect my insurance rate?

  What are company ratings about?

  Term Life Insurance Company Financials

  How do I determine my health class for premium calculation?

  What if I smoke cigarettes or use other forms of tobacco?

  Can my policy be cancelled?

  Is there a money refund guarantee?

  What if I already have a life insurance policy, should I cancel and start over or add a new policy?

• Site Map
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• Insurance FAQs

Jim O'Connor, Life Insurance Agent
PO Box 832, Tiburon CA 94920
Tel: 1-800-799-0903   Fax: 415-435-2870   Email: info@term22.com
Copyright 2011 Jim O'Connor, Life Insurance Agent