Term Life Insurance
Affordable protection for 10–30 years.
Term life insurance is the most cost-effective way to protect your family during your highest-responsibility years — paying off the mortgage, raising children, replacing income. You choose the length (10, 20, or 30 years) and the death benefit, and your premium is locked in for the entire term.
What's included
- Lowest cost per dollar of coverage
- Level premiums for 10, 15, 20, 25, or 30 years
- Coverage from $100,000 to $5,000,000+
- Many carriers approve without a medical exam
Frequently asked questions
How much term life do I need?
A common rule of thumb is 10–12× your annual income, plus enough to pay off the mortgage and fund future education. We will run the exact number together.
What happens at the end of the term?
Coverage ends, or you can renew at a much higher rate. Most clients ladder terms or convert to permanent before expiry.
Can I get covered without bloodwork?
Yes. Many of our carriers offer accelerated underwriting up to $3M with no exam for healthy applicants.