The most coverage you can get for the least money.
Term life insurance provides a large death benefit for a fixed period, typically 10, 15, 20, or 30 years, at the lowest cost per dollar of coverage of any life insurance product. It is the most efficient way to protect income, a mortgage, or your family during the years that matter most.
- Lowest cost per dollar of coverage
- 10, 15, 20, or 30-year term options
- Often no medical exam required
- Convertible to permanent coverage with many carriers
17
States
9+
Carriers
A+
AM Best
$0
Cost to You
Get your free quote in 60 seconds
This is right for you if...
- You need maximum coverage on a tight budget
- You want to protect your income during your working years
- You want coverage that matches a mortgage or debt payoff timeline
- You want simple, affordable protection without the complexity of cash value
How it works
- 01We determine how much coverage and how many years you need
- 02We compare term length and pricing across 9+ carriers
- 03Many applicants qualify through accelerated underwriting with no medical exam
- 04Coverage can often be approved the same day
Key Benefits
In depth
Term life is pure, simple death benefit coverage for a fixed period, 10, 20, or 30 years. No cash value, no moving parts. Just a guaranteed payout to your family if you pass away during the term.
For clients who already carry a Whole Life or IUL policy, term is the smartest way to increase total coverage without increasing permanent premiums. Stacking a 20-year term on top of a permanent base dramatically expands your family's protection during your highest-responsibility years, mortgage, kids, business obligations.
And because term has no cash value component, its premiums are the lowest in all of life insurance, more coverage, less cost. A 10-year term suits short-term debt payoff or transitional coverage, a 20-year term covers most major financial obligations, and a 30-year term locks in maximum protection at today's rate.
Frequently asked questions
Ready to explore Term Life Insurance?
Answer 8 quick questions and we'll guide you to the best fit.
Answer a few questions and start your quote faster.
Complete this short form so we can guide you with better coverage options.
Free · No Obligation