Affordable protection
Simple coverage for what matter most.
Term life insurance provides straightforward protection at the lowest cost. Choose a term that matches your needs—10, 20, or 30 years—and lock in affordable rates.
Most families can get $500,000 in coverage for less than $30/month. Licensed agents help you find the right term length and coverage amount.
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Licensed pros walk you through quotes, discounts, and next steps in minutes.
Term Life Explained
What is term life insurance?
Term life insurance is pure protection—no cash value, no investment component, just a death benefit that pays out if you pass away during the policy term. This simplicity makes it the most affordable type of life insurance, allowing you to get substantial coverage at rates that fit most budgets.
You choose a term length (typically 10, 15, 20, or 30 years) and a coverage amount. If you die during that term, your beneficiaries receive the full death benefit tax-free. If you outlive the term, the policy simply expires—though many policies offer renewal or conversion options.
Term life is ideal for covering temporary needs: paying off a mortgage, replacing income while children are young, or covering a business loan. The key is matching your term length to when your responsibilities will naturally decrease. A 30-year-old with a new mortgage and baby might choose a 30-year term. Someone 10 years from retirement might only need a 10-year term.
How it works
Getting life insurance is easier than you think
Whether you're a first-time buyer or reviewing your coverage, we make it simple to protect your family.
Step 1
Answer a few health questions
Share basic information about your health, lifestyle, and coverage needs. Most applicants qualify for instant decisions.
5 minutes
Step 2
Compare quotes from top carriers
See rates from multiple A-rated insurers side by side. Choose your term length and coverage amount with guidance from licensed agents.
Real-time quotes
Step 3
Get covered in days, not weeks
Many applicants get approved without a medical exam. Others complete a quick exam at home. Either way, coverage starts fast.
No exam options
Key decisions
What you need to know
Understand the important factors when choosing term life insurance.
Lowest cost per dollar of coverage
Term life delivers the most death benefit protection for your premium dollar—often 5-10x more coverage than permanent policies at the same price.
Level premiums for the entire term
Your rate is locked in for the full term—10, 20, or 30 years. No surprises, no increases, predictable protection.
Convert to permanent later
Most term policies include a conversion option, letting you switch to permanent coverage without new medical underwriting if your needs change.
Match coverage to your timeline
Choose a term that aligns with your mortgage payoff, retirement date, or when kids will be financially independent.
Guided help
Guidance for life's biggest decisions
Life insurance decisions affect your family for years to come. Our licensed agents take the time to understand your situation and help you make the right choice.
- Help calculating how much coverage you actually need
- Guidance on choosing the right term length for your situation
- Access to carriers with the best rates for your health profile
- Support through underwriting and medical exam scheduling
Ready to get started? We're here to help.
How much coverage do you need?
A common rule of thumb is 10-12 times your annual income, but the right amount depends on your specific situation. Consider: outstanding debts (mortgage, car loans), years of income replacement needed, college funding for children, and final expenses. An agent can help you calculate the exact coverage your family needs.
Life insurance at every stage
20s
Lock in the lowest rates while young and healthy. Even if you're single, consider a small policy now—rates will never be cheaper. A 20-year term covers you through major life milestones.
30s-40s
Prime time for term life. Match your term to your mortgage and when kids will be independent. A 30-year term at 35 covers you to 65. Consider a larger policy—this is when your family depends on your income most.
50s
Term life is still affordable. A 20-year term covers you to retirement. Focus on remaining debts and income replacement until retirement savings can sustain your spouse. Consider conversion options if health changes.
60+
Shorter terms (10-15 years) often make more sense. Rates are higher but still affordable for healthy applicants. Consider whether permanent coverage might better serve estate planning needs.
Choose your term length
Term life insurance covers you for a specific period. Choose based on your needs.
Best for: Near-retirees, short-term debts, or supplemental coverage
Covers temporary needs or bridges to retirement.
Best for: Existing 15-year mortgages or those closer to empty nest
Balances coverage duration with lower premiums.
Best for: Young families, new homeowners, or college planning
Most popular choice—covers major financial responsibilities.
Best for: New parents, new 30-year mortgages, or long-term income replacement
Maximum protection period at locked-in rates.
Questions?
Common questions about term life insurance
What happens when my term life policy expires?
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When your term ends, coverage simply stops—no payout, no refund. However, most policies offer options: renew at a higher rate (without new medical underwriting), convert to permanent coverage, or let the policy lapse if you no longer need coverage. The best approach is choosing a term that matches when your coverage need naturally ends.
Do I need a medical exam to get term life insurance?
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Not always. Many carriers now offer "accelerated underwriting" for healthy applicants under certain ages and coverage amounts—you answer health questions and get approved in days without an exam. Higher coverage amounts or certain health conditions may require a medical exam, which is typically done at your home for free.
How much term life insurance do I need?
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A common starting point is 10-12 times your annual income, but your actual need depends on: debts to pay off (mortgage, loans), years of income replacement your family needs, college funding goals, and existing savings. An agent can help you calculate the right amount so you're not over- or under-insured.
Can I cancel term life insurance if I no longer need it?
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Yes. Term life has no surrender fees or cash value—you can simply stop paying premiums and the policy lapses. If your situation changes (kids are grown, mortgage is paid off, spouse is self-sufficient), you're free to cancel anytime without penalty.
Term Life Insurance guides and resources
Dive deeper into term life insurance topics with our expert guides and comparisons.
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Read moreReady to protect your family with term life insurance?
Get personalized quotes in minutes. Our licensed agents are here to help you find the right coverage.
Explore other life insurance options
Compare different types of life insurance to find what works best for your situation.
Whole Life Insurance
Permanent coverage that builds cash value over time. Higher premiums but lifetime protection.
Final Expense Insurance
Smaller policies designed specifically to cover funeral and burial costs.
Disability Insurance
Protects your income if you're unable to work due to illness or injury.