Simple, affordable protection for the years that matter most.
The Basics
What is Term Life?
Term life insurance covers you for a set period of time — usually 10, 20, or 30 years. If something happens to you during that term, your family receives a tax-free death benefit. It's the most straightforward and affordable type of life insurance.
Options
Choose your term length
10
years
20
years
30
years
Most families choose 20 or 30 year terms to cover mortgage and child-raising years.
Benefits
Why people choose Term
Lowest cost way to get maximum coverage
Locked-in rate that never increases during the term
Tax-free payout to your beneficiaries
Many policies can be converted to permanent coverage later
Quick Answers
Common questions
What happens when the term ends?
The policy expires. You can renew (at a higher rate), convert to permanent coverage, or let it go. Many people outlive their term — and that's a good thing.
How much coverage do I need?
A common starting point is 10-12x your annual income. Enough to replace your paycheck, cover the mortgage, and fund your kids' future. A quick call can help dial in the right number.
How much does it cost?
Less than most people think. A healthy 30-year-old can often get $500K in coverage for under $30/month. Your rate depends on age, health, and term length.