Coverage Type

Term Life Insurance

The most affordable way to protect your family during the years they depend on your income.

What is term life insurance?

Term life insurance is a life insurance policy that covers you for a specific number of years, usually 10, 20, or 30. If something happens to you during the term, your family gets the death benefit tax free. If you outlive the term, the coverage ends.

It’s the simplest and most affordable way to protect the people who depend on your income.

Who it’s for

Term life makes sense for most families with dependents. It’s especially useful if you:

Have young children who depend on your income
Have a mortgage you don’t want your family to shoulder alone
Are the primary earner for your household
Have business debt you personally guaranteed
Want the most coverage for the lowest premium

Why term is usually the right starting point

For most families, the need for life insurance is highest during the years when children are young, the mortgage is large, and retirement savings are still growing. Term insurance is built for exactly that window.

A healthy 35-year-old can often get $500,000 of 20-year term coverage for less than $25 a month. That’s a level of protection that would be prohibitively expensive to get through whole life or universal life insurance.

How much coverage do you need?

A common rule of thumb is 10 to 12 times your annual income. But the real answer depends on:

Your mortgage balance
How many years until your kids are out of the house
How much your spouse earns on their own
Any business or personal debt you’d want cleared
Education costs you want to fund

Our Family Protection Checklist walks you through the math in one page.

What term length should you pick?

The term should cover the years your family genuinely depends on your income.

10-year term: Good if you’re close to retirement and paying off a small mortgage
20-year term: The most common choice. Covers children through college and a typical mortgage
30-year term: Best if you have very young kids, a new long-term mortgage, or started your family later

What affects your rate

Age (younger is always cheaper)
Health history and current conditions
Tobacco or nicotine use
Height and weight
Family medical history
Driving record
Occupation

What our team does

We compare term policies from the top carriers based on your age, health, and budget. We explain the differences in plain English, and when you’re ready, we walk you through the application with the carrier most likely to approve you at the best rate.

See what you qualify for.

A quick quote takes about two minutes. Our team will follow up with real options, not a wall of quotes.

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