Maximum protection for the years that matter most
Term life is the workhorse of family protection: a large, fixed death benefit at the lowest cost per dollar of coverage. Pick a 10, 20 or 30 year term that covers your mortgage and your kids' launch years, and lock the rate.
Built for the season when everything depends on your income
You have a mortgage
Match your term to your loan. If the unthinkable happens, the house is paid off and your family stays put.
Kids at home
A 20 or 30 year term carries your youngest from crib to career, covering childcare, groceries and college along the way.
Budget matters now
Term costs 5 to 15 times less than permanent coverage for the same death benefit. Protect big today, invest the difference.
Sample monthly rates
Illustrative 20-year term rates for a healthy non-smoker. Your actual rate depends on underwriting and varies by carrier and state, which is exactly why we compare 40+ of them.
| Age | $250K | $500K | $1M |
|---|---|---|---|
| 30 | ~$13/mo | ~$19/mo | ~$31/mo |
| 40 | ~$18/mo | ~$29/mo | ~$50/mo |
| 50 | ~$38/mo | ~$66/mo | ~$122/mo |
Features worth asking about
Conversion option
Most quality term policies let you convert to permanent coverage later without a new medical exam, even if your health has changed. This is the feature people wish they had understood at 40.
Living benefits
Many carriers include accelerated benefit riders at no extra cost, letting you access part of your death benefit early after a qualifying critical, chronic or terminal diagnosis.
Return of premium
For a higher premium, some policies refund everything you paid if you outlive the term. It is not for everyone, but worth a side-by-side comparison.
No-exam underwriting
Healthy applicants can often get $1M or more approved from electronic records alone, sometimes within days.
Common questions
What happens when my term ends?+
You can usually renew annually at a higher rate, convert to a permanent policy, or simply let it lapse if the need has passed. Most families time the term so it ends when the mortgage is gone and the kids are independent.
10, 20 or 30 years, how do I choose?+
Match the term to your longest obligation. A rule of thumb: cover until your youngest child is 25 or your mortgage is paid, whichever is later. Longer terms cost more per month but lock today's health rating for longer.
Can I have more than one term policy?+
Yes, and layering is often smarter than one big policy. For example, a 30-year policy for the mortgage plus a 20-year policy for the kid years costs less than one oversized 30-year policy.
Does term life build any cash value?+
No. Term is pure protection, which is why it is so inexpensive. If you want coverage that builds value you can use in your lifetime, compare whole life or indexed universal life.
See your real term life rate
Fifteen minutes with a licensed agent gets you actual quotes from the carriers that price your profile best.
*All rates shown are illustrative examples for education, not offers of coverage. Final rates are set by the issuing carrier through underwriting and vary by state, age, health class and product availability.