Tell us a few key things so we can calculate what type of plan and coverage you may need.
Share these details so we can recommend the best term life options for you.
How does life insurance work? Do you need it? Can you afford it? This brief video describes the basics of life insurance and a link to a guide busting life insurance myths.
A little bit of education can go a long way in understanding how life insurance protects you, your budget and your family
What is term life insurance?
Term life insurance policies provide coverage for a set period of time, i.e., 20 years. The death benefit is paid only if the insured dies during that timeframe. Term life is often less expensive than other life insurance policies but offers no cash value.
How does term life insurance work?
Term life insurance works by providing a fixed death benefit if the insured dies during the policy period, typically 10-40 years. The limited timeframe for payout makes term life less expensive than permanent life insurance.
What is the difference between term and whole life insurance?
While term life policies provide coverage for a limited timeframe, i.e., 20 years, whole life policies feature a guaranteed lifetime death benefit (when required premiums are maintained) and can build cash value that can be borrowed against. These additional whole life benefits make it more expensive than term life.
How much term life insurance do I need?
The amount of term life insurance needed varies by individual and often includes funding to replace income, pay off a mortgage and other debts, and/or cover specific expenses, like a child's education. Use the tool on this page to calculate your needs.
