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Personal Lines


Term Insurance

Walking hand in hand. HM Risk Terms.

The HM Personal Lines department can offer term life insurance to their clients as an additional service.

Term insurance provides a cost-efficient way to get maximum insurance protection for a temporary period of time. Term Insurance allows you to pay only for the protection you need and for the time that your dependents need it. It provides a less costly option to other life policies since only life insurance protection is provided and the insurance policy builds no cash value.

One of the most important reasons to buy life insurance is that life insurance provides families with financial security should a spouse, parent, or loved one die. However, there are other reasons to buy term insurance, including:

Coverage Highlights:

  • Cover final expenses

  • Pay off debt

  • Income for dependents

  • Create an inheritance

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Personal Lines Menu

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HM Risk & Benefits

  • St. Louis Headquarters
  • 8235 Forsyth Boulevard, Suite 1200, St. Louis, Missouri 63105-1643
  • Toll Free: 800-489-6626 | 314-746-4700
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  • 2925 E. Battlefield, Suite 120, Springfield, Missouri 65804-4020
  • Toll Free: 844-432-1010 | 417-895-4600
  • 417-895-4602

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