Term life insurance provides death benefit coverage for a set period, typically 10 to 30 years. If you pass away during the term, your beneficiaries receive the full benefit amount. It's straightforward protection without the complexity of permanent policies.

Most term policies include a conversion option that allows you to switch to permanent coverage without a medical exam. This flexibility matters when your needs change and you want lifelong protection instead of temporary coverage.

When your term expires, coverage ends unless you renew or convert. Renewal rates increase with age, which is why many people convert to permanent insurance before their term concludes if they still need coverage.

Most applicants require a medical exam, though some policies offer simplified underwriting with limited health questions. The exam helps us determine your rate and ensure you get the best possible terms based on your health profile.

Coverage needs depend on your income, debts, family size, and future obligations. Our life insurance calculator helps you estimate the right amount, and our advisors can refine that number based on your specific situation.

Your rate is locked for the entire term, meaning your premium stays the same whether you're in year one or year twenty. This predictability makes budgeting easier and protects you from rate increases during your coverage period.