Simple protection. Seriously affordable.
Term life is the most straightforward way to protect your family. Pick a term, pick an amount, and lock in a rate that won't change. That's it.
Why people love term life
Level Premiums
Your rate is locked in for the entire term. No surprises, no increases. What you see is what you pay.
Tax-Free Benefit
Your beneficiaries receive the full death benefit income-tax-free. Every dollar goes to your family.
Convertible Options
Many term policies let you convert to permanent coverage later -- no new medical exam required.
Coverage Up to $5M+
Whether you need $100k or $5 million, term life scales to fit your family's needs and your budget.
What does it cost?
Sample monthly rates for a $500,000, 20-year term policy.
| Age | Est. Monthly Rate |
|---|---|
| 25 | $18/mo |
| 30 | $22/mo |
| 35 | $27/mo |
| 40 | $36/mo |
| 45 | $52/mo |
Rates are illustrative. Your actual rate depends on health, lifestyle, and carrier.
Term life insurance is the go-to choice for most families -- and for good reason. It gives you a large amount of coverage at a fraction of the cost of permanent insurance. If you have a mortgage, kids, or a partner who depends on your income, term life is probably the smartest financial move you can make.
Here's how it works: you choose a coverage amount and a term length (10, 20, or 30 years). If you pass away during that term, your beneficiaries receive the full death benefit -- tax-free. Your premiums stay the same for the entire term, so there are zero surprises.
Most people don't need life insurance forever. They need it while the kids are growing up, while the mortgage is being paid off, or while a spouse would need income replacement. Term life matches coverage to the years you need it most -- and doesn't charge you for the years you don't.
Frequently asked questions
When your term ends, your coverage stops. Most policies offer the option to renew at a higher rate or convert to a permanent policy without a new medical exam. You won’t lose coverage overnight. You’ll get advance notice and time to decide.
A common rule of thumb is 10–15 times your annual income. But it really depends on your debts, number of dependents, and future expenses like college tuition. We’ll help you figure out the right number.
Yes! Many carriers offer no-exam term policies with coverage up to $1–2 million. You may pay slightly more, but the process is fast, often approved in minutes.
It’s the most affordable type of life insurance by a wide margin. A healthy 30-year-old can often get $500,000 in coverage for around $20–25 per month. The younger and healthier you are, the less you pay.
The longer the term, the longer your rate is locked in, but the higher the monthly premium. A 20-year term is the most popular choice because it balances affordability with long-term protection. Pick the term that covers your biggest financial obligations.
Stop putting it off.
Your family is worth 10 minutes.
Get My Free QuoteNo cost. No pressure. No medical exam required.