Term Life Insurance
Term life is the most coverage you can buy for the least money, and it is the right answer for most working families. You pick a length of time, usually 10, 20, or 30 years, and a benefit amount. If you pass away inside that window, your family receives the money tax-free. If you outlive it, the policy simply ends.
- Coverage from $100K to $2M+
- 10, 20, or 30-year terms
- Affordable monthly premiums
- Convertible to permanent coverage
- Fast approval process
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What to know about term life insurance
Who it's for
People with dependents, a mortgage, or income their household relies on. The usual rule of thumb is coverage worth roughly 10 times your annual income, with a term that runs until the kids are grown or the mortgage is paid.
How underwriting works
Larger term policies are fully underwritten, which can take two to four weeks and may involve an exam. We also work with carriers offering accelerated underwriting, where healthy applicants can be approved in days without one.
What it costs
Term is inexpensive relative to the benefit. A healthy 35-year-old can often get a $500,000 20-year policy for roughly $20 to $30 per month. Price climbs with age and health, which is the argument for not waiting.
The conversion option
Most of the term policies we place can be converted to permanent coverage later without new medical underwriting. That matters if your health changes during the term and you still want lifelong protection.
Term Life Insurance — Common Questions
Straight answers about term life insurance, how it's underwritten, and what it costs.
What's the difference between term and whole life insurance?
Term life provides coverage for a set period (10, 20, or 30 years) and is generally more affordable. It's ideal for income replacement and mortgage protection during your working years. Whole life provides permanent, lifelong coverage and builds cash value over time. It's better suited for legacy planning and those who want guaranteed coverage regardless of age.
How much term life insurance do I need?
A common starting point is 10 times your annual income, adjusted for your mortgage balance, other debts, and how many years of support your family would need. We'll work through the actual numbers with you rather than guessing.
How much does term life insurance cost?
A healthy 35-year-old can get a $500,000 term life policy for as little as $20 to $30 per month. Cost depends on your age, health, coverage amount, and term length.
What happens when my term ends?
Coverage stops unless you convert or renew. Many policies can be converted to permanent coverage without new medical underwriting, which is worth planning for before the term runs out.
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