Affordable protection for when you need it most. Cover your family during your working years with flexible term lengths.
Term life insurance provides maximum coverage at minimum cost, making it ideal for young families and budget-conscious consumers.
Get more coverage for less money. Term life typically costs 5-15x less than whole life for the same death benefit.
Choose coverage for 10, 20, or 30 years. Match your policy to your mortgage, kids' college, or retirement date.
Many policies can be converted to permanent coverage later without a medical exam.
Easy to understand. You pay premiums, and if you pass away during the term, your beneficiaries receive the death benefit.
Match your term to your mortgage. Ensure your family can stay in your home if something happens to you.
Protect your children's future. Coverage can pay for college, childcare, and living expenses.
Choose the term that best fits your financial obligations and goals.
| Term Length | Best For | Example Monthly Cost* |
|---|---|---|
| 10-Year Term | Short-term needs, business loans, bridge coverage until retirement | From $12/month |
| 20-Year Term | Mortgage protection, growing families, income replacement during working years | From $18/month |
| 30-Year Term | New families, long-term mortgages, maximum protection period | From $25/month |
*Example rates for healthy 35-year-old, $250,000 coverage. Your rate may vary.
If you outlive your term, coverage ends and no death benefit is paid. However, many policies offer renewal options (at higher rates) or conversion to permanent coverage.
Yes! We offer simplified issue and no-exam term policies. These have slightly higher premiums but provide fast approval—sometimes in minutes.
A common rule is 10-12x your annual income. We'll help you calculate the right amount based on your debts, income, and family needs.
Yes, term life has no cancellation fees. Simply stop paying premiums and coverage ends. There's no cash value to lose.
Find out how affordable protection can be. No obligation, no pressure.
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