Term Life Insurance: More Coverage, Lower Cost
Get the highest coverage for the lowest cost. Protect your family's income, mortgage, and future with flexible terms from 10 to 30 years.
Key Benefits of Term Life Insurance
Highest Coverage Per Dollar
Term life gives you the most coverage for the lowest premium. If you need a lot of protection on a tight budget, this is it.
Flexible Terms (10/15/20/30 Years)
Pick the term that matches your timeline. Covering a mortgage? Raising kids? Bridging to retirement? Match the term to the need.
Convertible to Whole Life
Many term policies include a conversion option, letting you switch to permanent coverage without a new medical exam.
Income Replacement
Replace your income for your family if something happens to you. Coverage of 10-15x your annual salary is commonly recommended.
Mortgage Protection
Match your term and coverage to your mortgage so your family keeps the house if something happens.
College Fund Protection
Lock in coverage through your children's college years so education plans stay on track no matter what.
Who Is Term Life Insurance For?
Young families with children who depend on their income
Mortgage holders who want to protect their home
Primary income earners who need the most coverage for the lowest cost
Business owners needing key person or buy-sell coverage
Get covered in 3 simple steps
Call us
Speak with a licensed agent who will help you determine the right coverage amount and term length.
Choose your plan
Compare term options from our carrier partners and pick the coverage that fits your family and budget.
Get covered
Complete your application and get covered. Many policies are issued within days.
Term Life Insurance FAQ
Common questions about term life coverage, conversion options, and choosing the right term length.
Term life covers you for a set number of years, usually 10, 15, 20, or 30. If you pass away during the term, your beneficiaries get the full death benefit. Dollar for dollar, it gives you more coverage than any other type of life insurance.
Financial experts commonly recommend 10-15 times your annual income. You should also factor in your mortgage balance, children's education costs, outstanding debts, and your spouse's income needs. For example, a family with a $300,000 mortgage and two children might need $500,000-$750,000 in coverage.
Many term policies include a conversion option that lets you switch to permanent whole life coverage without a new medical exam or health questions. This is especially valuable if your health changes during the term. Not all carriers offer this feature, so ask your agent about conversion options before purchasing.
When your term ends, you typically have three options: renew at a higher rate based on your current age, convert to a permanent whole life policy (if your policy includes a conversion option), or let the coverage expire. We recommend reviewing your coverage needs at least one year before your term expires.
For most young families, yes. It gives you the most coverage for the least money during the years when your family depends on your income. A healthy 30-year-old can often get $500,000 in 20-year term coverage for well under $50 a month. Suze Orman has called it the most practical choice for most families, and we tend to agree.