Term life insurance covers you for a set period — like 10, 20, or 30 years. If you pass away during that time, your loved ones get a tax-free cash payout to help with expenses like the mortgage, education, & living costs. If you’re still alive when the term ends, the policy simply expires — or you may have the option to renew or switch to permanent coverage.

Term life is one of the easiest & most affordable ways to protect your family's financial future.

Your term should last as long as your biggest financial responsibilities.

Here’s a quick guide:

✔ 10 years – Great for short-term needs like small debts or nearing retirement.

✔ 20 years – Ideal for covering major costs like raising kids or paying off a mortgage.

✔ 30 years – Perfect for young families or anyone wanting long-term security.

✔40 years – Longest option — locks in today’s low rates for life’s biggest milestones (without worrying about expensive renewals later).

Tip: Choose a term that covers you until your kids are grown, your home is paid off, or you’re financially independent.

Many of our clients receive instant or next-day approval with no medical exam required.

For higher coverage amounts or certain health conditions, a quick medical exam may be required.

Tip: The younger and healthier you are, the easier it is to lock in fast, no-exam coverage.

Get your instant quote now & see what you qualify for!

It’s never been easier to get covered — the whole process takes just minutes.

Here’s how it works:

• Get a free quote in under 60 seconds, here.

• Choose your coverage amount & term length.

• Answer a few simple health questions (most policies require no medical exam).

• Get approved & covered!