Life Insurance
Term Life Insurance
These affordable life insurance policies offer coverage for a limited time frame; it could be 10, 20, or 30 years.
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Term Life Insurance Coverage
Term life insurance is the most affordable and straightforward type of life insurance available. It provides coverage for a specific period of time (the “term”), and if you pass away during that period, your beneficiaries receive the death benefit.
The premiums depend on your age, health, and the length of the term. Because term insurance doesn't build cash value, it's significantly cheaper than permanent life insurance options, making it accessible for most families.
Term Length Options
10-Year Term
Ideal for short-term needs like covering a car loan or providing coverage until a child becomes independent.
20-Year Term
Popular choice for young families, providing coverage through the years children are financially dependent.
30-Year Term
Maximum term length, often chosen to cover a mortgage or provide protection through retirement.
Benefits of Term Life
Term Life Is Ideal For
When Your Term Expires
When your term life policy reaches the end of its period, you typically have several options:
Renew Your Policy
Many policies allow renewal without a medical exam, though premiums will increase based on your current age.
Convert to Permanent
Most term policies include a conversion option to whole or universal life without medical underwriting.
Purchase New Coverage
Apply for a new term policy, which may require a new medical exam but could be more cost-effective.
Let Coverage Lapse
If you no longer need coverage, you can simply stop paying premiums and the policy ends.
How Much Coverage Do You Need?
A common rule of thumb is to have 10-12 times your annual income in life insurance coverage. However, your specific needs depend on:
Get Term Life Quote
Fill out this form for a free term life insurance quote.
Protect Your Family's Future
Affordable term life insurance gives you peace of mind knowing your loved ones will be protected.