Term Life Insurance
Protect your family’s
financial future
You’re devoted to protecting your loved ones. And you want a financial strategy that protects them after you’re gone.
Life insurance helps you fulfill promises you made to the people you love – such as keeping your family in the home they cherish, financing your kids’ education or paying for end-of-life expenses.
Knowing your family is protected can provide a sense of security – for you and for them – today and tomorrow.
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What is term life insurance?
Term life insurance is in effect for a specific length of time and is generally the most affordable way to get the life insurance coverage you need. You can purchase a contract – and lock in a premium rate – for a period of 10, 15, 20 or 30 years.
Term life insurance contracts don’t accumulate cash value and, by definition, pay out only if the insured person dies while the contract is in effect. Your beneficiaries receive a death benefit as long as premiums were paid during your contract term.
Is term life insurance right for me?
Term life insurance may be appropriate if you want coverage while you’re paying off a mortgage or putting your kids through school.
How much life insurance coverage you need depends on your unique financial situation. For about the same cost as your monthly cell phone bill, you can help ensure your family's financial future.1
Calculate your coverage
Not sure how much life insurance you need? Use our helpful calculator to estimate how much life insurance is right for you.
DID YOU KNOW?
8 in 10 Americans say family is what’s most important to them, but only 59% have life insurance to financially protect their family.2
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1 $95/month premium based on case assumption for 40-year-old non-tobacco-using female for a 20-year term period with $1,000,000 in coverage.
2 LIMRA 2018 Insurance Barometer Study.
Term life insurance contracts have exclusions, limitations, reductions of benefits and terms under which the contract may be continued in force or discontinued. For costs and complete details of coverage, contact your licensed insurance agent/producer.
Guarantees based on the financial strength and claims-paying ability of the issuer.
If requested, a licensed insurance agent/producer may contact you and financial solutions, including insurance may be solicited.
T.COM-Z.4.63
CloseWhat Qualifies for Non-tobacco Rates
Tobacco is defined as use of any tobacco or nicotine product (such as cigarette, cigar, pipe, chewing tobacco,
electronic cigarette, nicotine gum/patch, etc).
If you have not used a tobacco or nicotine product within:
- 12 months, you may qualify for standard non-tobacco rates if you qualify for standard rates after underwriting is complete.
- 24 months, you may qualify for preferred non-tobacco rates if you qualify for preferred rates after underwriting is complete.
- 36 months, you may qualify for super-preferred nontobacco rates if you qualify for super-preferred rates after underwriting is complete.