Term Life Insurance — Affordable Protection When Your Family Needs It Most
Lock in low rates for 10, 20, or 30 years. Coverage from $100K to $10M+.
Compare Term Life RatesRate Example
$500,000 coverage for a healthy 35-year-old male starts at just $13/month
Rates vary by age, health, and coverage amount. Get your exact quote.
What Is Term Life?
Term life insurance is straightforward: you choose a coverage period (10, 20, or 30 years), and if something happens to you during that term, your family receives a tax-free lump sum. It's the most affordable way to make sure your mortgage, your kids' college, and your family's future are protected.
Why Term Life Works for Most Families
Term life insurance is built for real family budgets. It gives you the coverage you need at a price that leaves room for everything else — the mortgage, the tuition, the day-to-day.
Most Affordable Coverage
Term life costs a fraction of permanent insurance, freeing up budget for other financial priorities while still providing substantial protection.
Fixed Premiums That Never Go Up
Your rate is locked in for the entire term. No surprises at renewal — what you pay in year 1 is what you pay in year 20.
Choose Your Exact Coverage Length
10, 20, or 30 years — match your term to your mortgage, your kids' ages, or your retirement timeline.
Convert to Permanent Later
Most term policies let you convert to whole or universal life without a new medical exam — a safety net if your needs change.
Why Term Life Works for Most Businesses
Term life isn't just for families — it's a practical tool for protecting your business. A single policy can cover a partnership agreement, satisfy a lender, or ensure your company survives the unexpected loss of a key person.
Key Person Coverage
If a critical executive, top salesperson, or technical lead passes away, the financial hit can cripple operations. A term policy on that person gives the business tax-free cash to recruit, replace, and stabilize.
Buy-Sell Agreements
Every partnership needs a funded buy-sell. Term life ensures surviving partners have the cash to buy out a deceased owner's share — keeping the business in friendly hands and the family fairly compensated.
Business Loan Collateral
Lenders often require a life insurance policy as loan collateral — especially for SBA loans and commercial real estate. Term coverage satisfies that requirement at a fraction of the cost of permanent insurance.
Who Needs It?
- •Parents with young children
- •Homeowners with a mortgage
- •Anyone with dependents who rely on their income
- •Small business owners with partners or loans