Life & Health
Term life insurance
Coverage for a set number of years, at a set price, so your family isn't left with the mortgage and the bills if you're not here. For most households it's the most protection per dollar available.
What it typically covers
- A death benefit paid to the people you name
- A level premium for the term you choose, commonly 10, 15, 20, or 30 years
- Coverage that can often be converted to permanent later, depending on the policy
- Riders for things like disability waiver or child coverage, depending on carrier
How to think about the amount
- What's left on the mortgage
- What it would cost to raise and educate your children without your income
- Debts that would follow your spouse
- How long the household would need to adjust
Common questions
Not always. Several carriers offer no-exam underwriting up to meaningful coverage amounts for healthy applicants. We'll tell you which path is likely to fit before you apply.
There's no single rule. We'd rather look at your actual obligations than apply a multiplier to your salary.
Sometimes you should — if you're young, healthy, and want a straightforward policy, online platforms are fast and we'll say so. Where we earn our keep is when the answer isn't obvious: health history, a business to protect, or a policy that needs to coordinate with an estate plan.
Coverage ends unless you convert or renew. Worth understanding before you buy, not after.
Request a term life quote
Coverage for a set number of years, at a set price, so your family isn't left with the mortgage and the bills if you're not here.
Request a term life quote