Pure death benefit protection for 10, 15, 20, or 30 years. Lock in a low rate now and protect your family while they need it most — at a price that fits any budget.
Term life solves the most common life insurance problem: maximum coverage when your family is most financially vulnerable — for the fewest premium dollars.
Every premium dollar buys death benefit — no investment account, no cash value complexity. The most efficient way to protect your family against income loss.
Your premium is set at issue and never changes for the full term. Apply while healthy — a 35-year-old can lock in $500K of coverage for decades.
Most term policies let you convert to permanent coverage before the term ends — without a new medical exam. Great protection if your health changes.
Bridge coverage, short-term debts, children almost grown
Mid-range mortgage balance, private school years
Most popular — full child-raising span, typical mortgage
Young families, new 30-year mortgage, maximum coverage window
Select a death benefit amount ($100K–$5M) and a term length (10–30 years) that matches your obligations.
Answer a short health questionnaire. Most applicants are approved instantly — no blood draw, no nurse visit.
Your premium is set for the entire term. Pay monthly, quarterly, or annually — your rate never changes.
If you pass away during the term, your beneficiary receives the full death benefit — tax-free and in one lump sum.
Term life insurance provides a death benefit if the insured passes away during a selected time period (the "term"). It is the most affordable form of life insurance because it provides pure protection without a cash value component. When the term ends, coverage stops — you can convert to permanent coverage, renew, or let the policy lapse.
A common rule of thumb is 10–12× your annual income. For a $75,000 earner with a mortgage and two children, that suggests $750,000–$900,000. Your ideal amount also considers existing debts, college funding goals, and your spouse's income.
Yes. Most term policies in our network include a conversion privilege that lets you convert to whole life or universal life before the term expires — without a new medical exam. This is valuable if your health changes during the term.
Yes — in most cases. Life insurance death benefits paid to a named beneficiary are generally received income-tax-free under IRC Section 101(a). The premiums you pay are typically not tax-deductible (except in certain business contexts).
If you outlive the term, coverage ends and no benefit is paid — this is how term insurance stays affordable. You can convert before expiration, apply for a new policy, or purchase a return-of-premium term policy if you want a refund of premiums paid.
Common riders include: Waiver of Premium (premiums waived if you become disabled), Accelerated Death Benefit (access the benefit early if diagnosed with terminal illness), Children's Term Rider (covers all children under one rider), and Disability Income Rider on some products.
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Sample rates for healthy adults. Actual rates depend on age, gender, and health class. Subject to underwriting approval.