Since 1994Who we are
Termco is an independent agency, which means we are not owned by an insurance company and we don't work for one. Our licensed agents compare term life options from multiple carriers and help you apply with the one whose underwriting fits your situation. That matters most when your health history isn't perfect, because carriers look at the same history very differently.
When you request a quote, a licensed Termco agent reviews your basics, asks the questions that actually affect pricing, and walks you through your options in plain English. No pressure, and no obligation to apply.
Gil G Edwards, RICP®
Founder & CEO
Gil founded Termco in 1994 and has spent more than three decades helping families and retirees plan for the unexpected. He holds the Retirement Income Certified Professional (RICP®) designation from The American College of Financial Services, and he is a licensed life insurance agent in all 50 states (National Producer Number 676445).
Gil also works with clients on retirement income and long-term care planning through Gil Edwards Insurance Planning. You can verify any agent's license through your state insurance department or the National Insurance Producer Registry (NIPR).
How Termco is paid
Termco is paid a commission by the insurance company that issues your policy. That commission is already built into the carrier's premium, so you don't pay a fee for our quotes, advice or application help, and the premium is the same as it would be if you went to that carrier directly through another agent. Commission amounts can vary by carrier and product. Our job is to recommend the coverage that fits your needs and health, and you are always free to choose any option or none at all.
How we work
- Start with the people who count on you. We size coverage and term length around your income, mortgage, kids and other obligations.
- Shop the carriers, not just the price. We look for carriers whose guidelines fit your health profile, including conditions like diabetes, high blood pressure, sleep apnea and GLP-1 medications.
- Be straight with you. Every quote is an estimate until a carrier reviews your application. We tell you what to expect and what could change.
Talk with a licensed Termco agent
Share a few basics and we'll follow up. No detailed health questions on the form, and no obligation.
Frequently asked questions
Who will I work with at Termco?
A licensed member of the Termco team. Termco was founded by Gil G Edwards, RICP®, who leads the agency as Founder & CEO.
How does Termco get paid?
Like most life insurance agencies, Termco is paid a commission by the insurance company that issues your policy. The commission is built into the carrier's premium, so working with us does not add a fee or cost to you.
Which states does Termco serve?
Termco is licensed to offer life insurance in all 50 states. Products and availability vary by state.
Is Termco an insurance company?
No. Termco is an independent insurance agency. We compare term life options from multiple insurance companies, and the policy itself is issued by the insurer you choose.