Life Insurance
Term Life Insurance
Maximum coverage, lowest cost, for the years your family needs it most.
Maximum coverage, lowest cost, for the years your family needs it most.
Term life covers you for a set period - typically 10, 20, or 30 years. If something happens during that term, your family receives the death benefit tax-free. It's the most affordable way to buy a large amount of coverage, which is why it's the right fit for most people protecting income during their working years.
See my rates →Illustrative monthly rates for a healthy nonsmoker on a 20-year term. The spread is why comparing carriers matters.
| Age at purchase | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|
| 30 | $14 - 18/mo | $22 - 28/mo | $38 - 48/mo |
| 40 | $21 - 28/mo | $36 - 46/mo | $64 - 82/mo |
| 50 | $48 - 62/mo | $88 - 110/mo | $160 - 205/mo |
Illustrative ranges only - final pricing and approval are set by the issuing carrier after underwriting. Rates roughly double each decade you wait.
Your rate is locked in for the entire term - it never rises.
Many policies convert to permanent coverage later, no new exam.
Buy hundreds of thousands in coverage for a modest monthly cost.
Match the term to the need - until the kids are grown or the mortgage is gone. We help you size it honestly.
The same coverage can vary widely in price between carriers. Seeing real numbers together is the whole game.
Once approved, your premium never rises for the entire term. Many carriers offer no-exam approval paths.
If you want lifetime coverage or cash value, look at whole life. If your health makes underwriting a concern, no medical exam term or guaranteed issue may fit better. For most income-protection needs during working years, term is the benchmark the others are measured against.
Want to go deeper? Browse the guides →
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