Term life insurance gives your family maximum protection at the lowest possible cost. Fixed rates, simple coverage, no surprises.
Term life insurance is the simplest, most affordable form of life insurance. You choose a coverage period — 10, 15, 20, or 30 years — and a death benefit amount. If you pass away during that term, your beneficiaries receive the full benefit tax-free.
Premiums are fixed for the entire term, so you always know exactly what you're paying. It's ideal for covering the years when your family depends most on your income — while kids are young, while a mortgage is outstanding, or while you're building retirement savings.
Most term policies are also convertible to permanent coverage, giving you flexibility as your needs change over time.
*Sample rate for healthy 35-yr-old non-smoker. Your rate may vary.
Match your term to your mortgage. If something happens to you, your family keeps the home — no scrambling to make payments.
Lock in low rates while you're young and healthy. Cover your income-earning years when your spouse and kids need you most.
Protect business loans, fund buy-sell agreements, or ensure key employees can keep the business running if something happens to you.
A healthy 30-year-old can get $500,000 of 20-year term coverage for around $25–$35/month — less than a family dinner out.