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Why term life
Why Term Life Insurance?
Affordable Protection
Get $500,000+ coverage for less than $30/month for healthy individuals.
Protect Your Family
Replace your income and cover mortgage, education, and daily expenses.
Simple & Flexible
Choose your term (10–30 years) and coverage amount. Lock in your rate.
FAQ
Frequently Asked Questions
How much term life insurance do I need?
A common rule is 10–12x your annual income. Consider your mortgage, debts, children’s education, and how long your family would need support.
What term length should I choose?
Match it to your longest financial obligation. If you have a 30-year mortgage or young children, a 20–30 year term makes sense.
What affects my rate?
Age, health, tobacco use, coverage amount, and term length. Rates are locked once approved — they won’t increase during your term.
Can I convert to permanent insurance later?
Most term policies include a conversion option, allowing you to convert to permanent life insurance without a new medical exam.