Big protection for the years that matter most.
Term life covers your family for a set number of years, often for less than permanent coverage. Our licensed agents compare policies from multiple insurance companies and help you pick the right length and amount, at no cost to you.
- Terms often from 10 to 30 years
- Many policies have level premiums
- Options with and without a medical exam
Three simple choices
Pick a term
Choose how long you want coverage, for example until the kids are grown or the mortgage is paid off.
Pick an amount
Many families start with income replacement, debts, and future costs like college.
Stay protected
If you pass away during the term, your beneficiaries receive the death benefit. If you outlive it, coverage ends unless you renew or convert, where available.
Term life is often a good fit for
- Parents with children at home
- Homeowners with a mortgage
- Business owners covering a loan or a partner
- Anyone who wants the most coverage for their budget
Want coverage that lasts for life instead? See final expense or universal life.
Features some policies offer
- Conversion: Some term policies let you convert to permanent coverage without new health questions, within set time limits.
- Return of premium: Some policies refund premiums if you outlive the term, at a higher cost.
- Living benefits: Some riders allow early access to part of the benefit for a qualifying terminal, chronic, or critical illness.
- No-exam options: Some policies use health questions instead of a medical exam, depending on age, amount, and health.
Term vs. permanent
| Term life | Permanent (whole or universal) | |
|---|---|---|
| How long | A set number of years | Designed to last for life |
| Cash value | None | Can build cash value |
| Typical cost | Usually lower for the same death benefit | Usually higher |
| Good for | Income replacement, mortgage, raising kids | Lifelong needs, final expenses, legacy |
A common starting point for how much: add up income your family would need to replace, your mortgage and debts, future costs like college, and final expenses, then subtract savings and existing coverage. Your agent can walk through it with you on a free call.
Compare term life options
Tell us a little about you and a licensed agent will compare term policies from the companies we represent. No cost, no pressure.
- Terms often from 10 to 30 years
- Plain-English explanations
- Help with the application and beyond
Term life questions
How long should my term be?
Many people match the term to their longest obligation, such as the years left on the mortgage or until the youngest child is independent.
What happens when my term ends?
Coverage ends. Some policies let you renew yearly at a higher premium or convert to permanent coverage before a deadline.
Do I need a medical exam?
Not always. Some policies use health questions only. Eligibility and pricing depend on your age, health, amount, and the insurance company.
Can I have term and permanent coverage?
Yes. Some families combine a larger term policy with a smaller permanent policy.
Let's find the right term for your family.
A free 15-minute call with a licensed agent on our team. No pressure, no obligation.