Term Life Insurance

Maximum coverage, lowest cost, for the years your family needs it most.

Overview

What it is, in plain English

Term life covers you for a set period — typically 10, 20, or 30 years. If something happens during that term, your family receives the death benefit tax-free. It's the most affordable way to buy a large amount of coverage, which is why it's the right fit for most people protecting income during their working years.

Is it right for you?

Term Life Insurance tends to fit people who…

Have children or a spouse who depends on your income
Carry a mortgage or other large debts
Want the most coverage your budget allows
Have a defined need with an end date

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Level premiums

Your rate is locked in for the entire term — it never rises.

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Convertible options

Many policies convert to permanent coverage later, no new exam.

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Large death benefits

Buy hundreds of thousands in coverage for a modest monthly cost.

Good to know

Common questions

How much does term life cost?

Less than most people expect. A healthy 35-year-old can often lock in $500,000 of 20-year term for a modest monthly premium. The only way to know your number is to compare carriers — final pricing depends on the carrier's underwriting decision.

What term length should I choose?

Match the term to the need: until the kids are grown, or until the mortgage is paid off. 20- and 30-year terms are the most common.

Can I convert it later?

Often yes. Many term policies include a conversion option that lets you switch to permanent coverage without a new medical exam, within a set window.

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