Term life insurance
Simple, affordable
protection
Compare quotes from top-rated plans
Affordable
Usually the lowest cost option fro protection
Simple
Straightforward protection with no added features
Flexible
Choose how long you want coverage: 10, 20, or 30 years.
What is term life insurance?
Term life insurance is a type of life insurance that provides financial protection for a set period of time. If the insured person passes away during that time, the policy pays money to the people they chose. It’s the most affordable kind of coverage and offers a simple way to protect what matters most.
“Why I Chose Term Life Insurance”
Candace, 31 - Sole income provider
Goal: Protect her child’s future
“I wanted to make sure my son would be okay ifsomething ever happened to me. Term life gave me peace of mind without stretching my budget.”
Luis, 45 - Homeowner with a mortgage
Goal: Make sure his family keeps their home
“We just bought our house, and I didn’t want my wife and kids to worry about the mortgage if I were gone. The coverage gives me peace of mind while we're paying it off.”
Andrew, 36- Business owner
Goal: Keep the business running without him
“I’ve built something that depends on me. If I’m not around, life insurance gives the business a cushion to stay afloat and figure out next steps”
The smart way to
get term life insurance
Ozzo researches the market and brings you:
Affordable
From $8/month
High coverage
Payout as high as $10M
Top-rated carriers
Rated A or higher
Industry longevity.
100+ years strong
A Closer Look
at Term Life
Find your answers on Term Life Insurance. for a deeper dive, see our Life Insurance Roadmap.
A Closer Look
at Term Life
Find your answers on Term Life Insurance. for a deeper dive, see our Life Insurance Roadmap.
How much coverage do I need?
A good rule of thumb is 10–15 times your annual income. You can also base it on what you want to protect, like your family’s living expenses, debts, or college costs.
How does term life insurance work?
It covers you for a set number of years. If you pass away during that time, your loved ones get a tax-free payout. If the term ends while you’re still living, the coverage ends too.
How long should my term life plan last?
Pick a term that matches your biggest financial responsibilities. For example, 20 years if your kids are young, or 30 years if you just bought a house.
Do I need a medical exam?
Some plans require it, others don’t. If you’re healthy and want a better rate, an exam can help. If you want speed and convenience, there are no-exam options too.
What’s the difference between whole and term life?
Term life covers you for a set time and is more affordable. Whole life is a comprehensive solution that lasts your entire life and includes added features.
What happens when the term ends?
Your coverage ends. Some policies offer renewal or conversion to permanent life, but most people reassess their needs and either update their plan or let it lapse.
