Protect What Matters
With Term Life Insurance
Affordable protection for a fixed period. Secure your family’s financial safety net with flexible coverage options for 10, 20, or 30 years.
Affordable Protection
This policy offers coverage for a fixed period of time, typically for 10, 20, or 30 years. Term life is the most affordable life insurance policy because it only covers a specific period and has no cash value component.
In addition, some policies include a living benefit rider that pays you your death benefit early for qualified health conditions. You may also have the option to renew or convert to a permanent policy when the initial term ends.
Policy Highlights
Why term life is the smart choice for many families.
Affordable Coverage
Offers a high death benefit for a relatively low cost. It's the most affordable way to provide a financial safety net for your family during critical years.
Simplicity
A straightforward product. If the insured passes away during the policy term, the death benefit is paid. No complex investment components to manage.
Flexibility
Choose the length of coverage that matches your needs—10, 15, 20, or 30 years. Tailor the term to cover your mortgage, children's education, or working years.
Term Life vs. Whole Life
Understand the trade-offs. Term life is pure protection, while whole life includes an investment component.
Comparison
| Feature | Term Life | Whole Life |
|---|---|---|
| Guaranteed Payout | Yes | Yes |
| Lifelong Protection | No (Fixed Term) | Yes |
| Accumulates Cash Value | No | Yes |
| Dividends | No | Yes |
| Fixed Premiums | No (Increases after term) | Yes |