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Term Life Insurance

Why choose our Term Life Insurance?

Our term life insurance is designed to be:

Affordable

Get coverage starting as low as a few dollars a month with no compromise on protection.

Simple

Quick applications, easy approvals, and clear terms. No medical exam required for many plans.

Flexible

Choose the term length and coverage amount that fits your life stage and budget.

Fast

Most people get approved and covered in just a few days, not weeks.

Trusted

Backed by leading carriers and offered through our people-first platform focused on your family’s future.

What is Term Life Insurance?

Term Life Insurance provides financial protection for a specific period, such as 10, 20, or 30 years. If something happens to you during that time, your loved ones receive a tax-free cash benefit they can use for:

✅ Daily living expenses.

✅ Mortgage or rent.

✅ College tuition.

✅ Debt repayment.

✅ Final expenses and more.

With term coverage, you’re only paying for the years you need protection, making it the most affordable type of life insurance available today.

Who should consider Term Life Insurance?

Term life insurance is ideal for:

Young families who want to protect children and dependents.

Homeowners with a mortgage or other large financial commitments.

Single parents needing cost-effective security.

Business owners looking to protect income or partners.

Anyone wanting affordable life insurance for a specific timeframe.

Have questions? We’ve got real answers.

Our team is here to help you understand your options, find the best plan for your budget, and make confident decisions about your future.

Get a personalized recommendation

What happens if you outlive your term?

First off, that’s great news! If you’ve outlived your term life insurance policy, it means you’re alive and well, and the plan did exactly what it was meant to do: provide peace of mind during a critical stage of your life.

But now that the term is ending, what happens next? Don’t worry, you’re not left without options. In fact, this is the perfect opportunity to adjust your coverage based on your current needs and future goals.

Here are your main options:

Renew your policy annually

Many term life policies are renewable, allowing you to extend coverage annually after the initial term ends. While the cost will go up based on your age, it’s a good short-term solution if you still need coverage and aren’t ready to commit to a new plan.

Convert to permanent life insurance

Many term policies come with a conversion option, allowing you to turn your term plan into a permanent (whole or universal) life policy with no medical exam required. This is a great option if you now want lifelong coverage or want to build cash value as part of your long-term financial planning.

Reapply for a new term policy

Good health gives you the opportunity to apply for a fresh term life policy, whether you want similar coverage or something entirely new. This may require a new health evaluation, but it gives you the chance to re-customize your plan for your current life stage.