Affordable, straightforward coverage for a specific period. Protect your family during your prime earning years with premiums that never increase.
Why term life insurance is the smart choice
Get the most coverage for your dollar. Term life offers the highest death benefits at the lowest premiums, making it the best value for young families.
Choose the term that matches your needs — 10, 15, 20, or 30 years. Match your coverage to your mortgage, your children's ages, or your retirement timeline.
Coverage up to $2,000,000 means you can fully protect your family's lifestyle, pay off the mortgage, fund education, and replace your income for years.
Many term policies include a conversion option, allowing you to switch to whole life coverage without a new medical exam if your needs change.
Everything you need to know at a glance
Maximum Coverage
Eligibility Range
Available Terms
Common questions about term life insurance
Your ideal term length depends on what you're protecting. If you have young children, a 20 or 30-year term covers them until they're independent. For a mortgage, match the term to your remaining loan period. If you're closer to retirement, a 10 or 15-year term may be all you need. A licensed advisor can help you choose the right length.
When your term ends, your coverage stops and no benefit is paid if you're still living. Some policies offer a renewal option at a higher rate. Many also include a conversion option that lets you switch to a permanent whole life policy before the term ends, without requiring a new medical exam. It's important to plan ahead so you're never without coverage.
Yes, many term life policies include a conversion privilege. This allows you to convert some or all of your term coverage to a permanent whole life policy without a medical exam or new health questions. Conversion is typically available during a specific window of your term. This is a valuable option if your health changes or you decide you need lifetime coverage.
Term life is the most affordable type of life insurance. A healthy 30-year-old can often get $500,000 of coverage for around $20–$30 per month. Your rate depends on your age, health, coverage amount, and term length. The younger you are when you apply, the lower your premium will be — and it's locked in for the entire term. Get a personalized quote to see your exact rate.
Our licensed advisors are ready to help you find the right term life coverage for your family. Get personalized guidance — no obligation, no pressure.
Other coverage options that might be right for you
Permanent coverage that lasts your entire lifetime with cash value that grows tax-deferred and premiums that never increase.
Learn moreEnsure your family can keep their home. Coverage designed to pay off your remaining mortgage balance if something happens to you.
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