Term life insurance
Simple, affordable
protection
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get term life insurance
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.
