Life Insurance
Term life insurance covers you for a set number of years — 10, 15, 20 or 30 — and pays a tax-free benefit to your family if you pass away during that window. It is the least expensive way to protect an income while a household is most exposed.
No obligation. No cost to you. We never sell your information.
You choose a coverage amount and a length of time. Your premium is locked at the price you start with, and it does not increase during the term. If you pass away while the policy is active, your beneficiaries receive the death benefit, generally free of federal income tax.
Term life does one job and does it cheaply: it replaces income when a family would otherwise lose the house, the car or the ability to keep going.
Match the term to the obligation, not to a guess. A common approach is to cover the years until your youngest child is independent, or until the mortgage is paid off, or until you reach retirement — whichever runs longest.
If you are not sure, a slightly longer term usually costs far less than the alternative of buying new coverage later at an older age.
A starting point is 10 to 15 times your annual income, plus your mortgage and other debts, minus whatever coverage you already have through work and any savings your family could draw on. We run that math with you so the number is based on your life rather than a rule of thumb.
Term policies are commonly written from $50,000 up to $5 million and beyond. Many applicants are approved on health questions alone, with no blood draw or physical. Larger amounts and certain health histories go through full underwriting, and we will tell you which path you are on before you apply.
Term coverage builds no cash value, and if you outlive the term, the policy simply ends — there is no refund. That is the trade-off that makes it affordable.
If that concerns you, ask about a convertible term policy, which lets you exchange part or all of the coverage for a permanent policy later without a new medical exam. Many families use that as a bridge once the budget allows.
Parents with young children. Homeowners carrying a mortgage. Anyone whose income keeps a household running and who wants the largest possible death benefit for the smallest possible premium.
One conversation
Tell us what you're protecting. We'll come back with real numbers from real carriers — and you choose what happens next.
No obligation · No cost to you · Your information stays private