Term Life Insurance
The most coverage for the least money over a set period, usually 10, 20, or 30 years. Built for income replacement and a mortgage.
Who it fits
- You have kids at home or a mortgage to protect
- You need $100,000 or more in coverage
- You want the lowest premium for a large amount
- You are in reasonably good health
What to know
- Coverage amounts
- $50,000 to $1,000,000 or more
- Term lengths
- 10, 15, 20, 25, or 30 years
- Medical exam
- Often not required up to certain amounts. Depends on carrier, age, and health.
- Premiums
- Level for the full term.
- Convertible
- Most policies can convert to permanent coverage without a new exam.
How we help
- 01
We match the term length to the years you actually need covered, not the longest one a carrier will sell.
- 02
We quote the same amount at several carriers. Rates for the same person can differ by hundreds a year.
- 03
We tell you when a no-exam policy costs more than one with a quick exam, and let you choose.
Term life questions
What happens when the term ends?
Coverage ends, or the premium jumps if you keep it. Most people convert part of it to permanent coverage before then or buy a new term policy.
How much do I need?
A common starting point is 10 times your income plus the mortgage balance. We walk through it on the call.
Does the payout get taxed?
Life insurance death benefits are generally received income-tax free by the beneficiary.
Also in Life Insurance
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