Maximum protection. Straightforward pricing.

What is term life insurance?

Term life provides a death benefit if you pass away within a defined coverage period — typically 10, 20, or 30 years. Because the coverage is temporary, premiums are significantly lower than permanent life insurance, making it the highest-coverage-per-dollar option available.

Common uses

• Replace lost income so your family can maintain their standard of living
• Pay off your mortgage so your family keeps the home
• Cover your children's education costs
• Bridge coverage while building savings or until retirement
• Business loan coverage or key-person protection

What to know before you apply

Term life policies generally require more thorough underwriting than final expense policies. Depending on the coverage amount and carrier, you may be asked to complete a brief health questionnaire, and in some cases a phone interview or medical exam. Your premium is locked in at the rate you qualify for at application time — it won't increase during the term.

If you outlive your term, some policies offer a conversion privilege allowing you to convert to a permanent policy without re-underwriting. We will explain which plans offer this before you apply.

What happens when the term ends?

When your term expires, coverage ends. You may be able to renew at a higher rate (annual renewable term) or convert to a permanent policy if your plan includes that rider. This is why choosing the right term length at the start is important — we'll help you think through what makes sense for your situation.