Term Life Insurance
Affordable, straightforward life insurance coverage for a specific period of time. Protect your family during your most important years with level premiums that never increase.
What Is Term Life Insurance?
Term life insurance provides coverage for a specific period of time—typically 10, 15, 20, or 30 years. If you pass away during the term, your beneficiaries receive a death benefit to help cover expenses, pay off debts, or replace lost income.
Unlike permanent life insurance, term policies are designed to be affordable and straightforward. You choose the coverage amount and term length that fits your needs, pay a fixed premium, and your family is protected.
Best for: Short-term debt, temporary income needs
Best for: Mid-career professionals, car loans
Best for: Young families, mortgage protection
Best for: New parents, new homeowners
Choose Your Term Length
Select the coverage period that aligns with your financial goals and obligations.
Best for: Short-term debt, temporary income needs
Best for: Mid-career professionals, car loans
Best for: Young families, mortgage protection
Best for: New parents, new homeowners
How People Use Term Life Insurance
Term life insurance provides essential protection for life's biggest financial responsibilities.
Mortgage Protection
Ensure your family can stay in their home if something happens to you.
Income Replacement
Replace lost income so your family can maintain their standard of living.
Education Funding
Make sure your children's education is funded regardless of what happens.
Debt Coverage
Protect your family from inheriting your debts and financial obligations.
How Much Coverage Do You Need?
A common rule of thumb is to have coverage equal to 10-12 times your annual income. However, the right amount depends on your unique situation:
Consider your debts
Include mortgage balance, car loans, student loans, and credit card debt.
Factor in future expenses
Children's education, spouse's retirement needs, and ongoing living expenses.
Account for final expenses
Funeral costs, medical bills, and estate settlement expenses.
Not sure how much you need? Our online application will help guide you through selecting the right coverage amount based on your specific needs and budget.
Protect Your Family with Term Life Insurance
Affordable coverage that fits your budget. Apply online and get a decision fast.