Term Life · Compare quotes
Term Life Insurance
The most coverage for the lowest price.
Term life covers you for a set period — 10, 15, 20, 25 or 30 years. If you pass away during the term, your beneficiaries receive a tax-free lump sum. It's the most affordable way to protect a mortgage, replace income, and fund your kids' future.
Term lengths
10–40 yrs
Coverage
$100K–$10M+
Starting at
~$15/mo
Best for
- Young families & new parents
- Homeowners with a mortgage
- Income replacement during working years
- Covering debts or business loans
What's the main reason you want coverage?
This helps us match you with the right policy type.
Secure & private. We never sell your information.
How it works
How term life coverage works
01
Pick a term
Match the term to your longest obligation — usually until your youngest child is independent or your mortgage is paid off.
02
Lock in your rate
Premiums are level for the full term. The younger and healthier you are when you apply, the lower your price.
03
Convert or renew
Many policies let you convert to permanent coverage later without a new medical exam.
Pros & cons
- Lowest cost per dollar of coverage
- Simple and easy to understand
- Level premiums guaranteed for the term
- Often convertible to permanent coverage
- No cash value
- Coverage ends when the term expires
- Renewing later is much more expensive
Sample monthly rates
| Profile | Coverage | Est. monthly |
|---|---|---|
| 30-yr-old, non-smoker | $500K / 20 yrs | $18–$24 |
| 40-yr-old, non-smoker | $500K / 20 yrs | $30–$40 |
| 50-yr-old, non-smoker | $500K / 15 yrs | $70–$95 |
Illustrative ranges for healthy applicants. Your actual rate depends on underwriting.
Term Life questions, answered
Compare other coverage types