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Term Life Insurance
The most affordable type of life insurance available - designed to meet temporary needs, providing coverage for a pre-defined period of time (the term)

Term Life Insurance Policies

Term Life Insurance is typically the most affordable type of life insurance available. It is designed to meet temporary needs, providing coverage for a pre-defined period of time (the term).

For example, you can purchase a term of 10, 20, or 30 years. The premiums are typically fixed and remain unchanged for the duration of the term.

Term life insurance has no cash value. At the end of the policy term, you have the option to continue the policy, but the premium will increase significantly.

And most term policies include an option to convert to a permanent policy without showing proof of good health.

Gallen Insurance offers a quick, no-exam, term life insurance program.


  • Lower costs in early years
  • Coverage customized to last for a specific number of years
  • Option to convert to permanent coverage later without proof of good health


  • Higher costs in later years
  • No cash value
  • Premium paid every year for coverage to remain in force

Please see our Life Insurance page for details.

Greater Reading Top 50 Businesses

Over 65 years strong!

Since 1957, Gallen Insurance has helped residents of Pennsylvania with a variety of insurance policies and coverages for all types of businesses and industries.

We’re also a Trusted Choice Independent Insurance Agency, we recently won the Berk’s County People’s Choice Award and are recognized as one of the Top 50 Businesses in Greater Reading!

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Contact Us

Gallen Insurance
2237 Lancaster Pike
Shillington, PA 19607

Phone: 610-777-4123
Fax: 610-777-9957

Mon - Thur 8:00 am - 4:30 pm
Friday 8:00 am - 4:00 pm

Gallen Insurance provides Return of Premium and Term Life Insurance Policies, Plans and Coverages throughout Pennsylvania from our office in the Greater Reading Area of Berks County.

Our friendly and personable staff stands ready to provide a free consultation for any insurance need you may have.

Use our contact form, email us, or call us today at 610-777-4123.