Term life insurance is a type of life insurance that provides coverage for a specific period (such as 10, 20, or 30 years). If you pass away during the term, your beneficiaries receive a tax-free payout (also known as a death benefit). If the term ends and you’re still alive, the policy simply expires unless you choose to renew or convert it to permanent coverage.

The best policy length depends on your financial responsibilities. Common term lengths include:

✔ 10 years – Short-term coverage for temporary needs (e.g., paying off small debts).

✔ 20 years – Covers major financial obligations, like raising children.

✔ 30 years – Ideal for young families, mortgage protection, and long-term financial security.

✔40 years – The longest available term, perfect for those who want extended coverage at a locked-in rate while avoiding higher renewal costs later in life.

Tip: Choose a term that lasts until your major financial obligations (like a mortgage, children’s education, or retirement) are covered. If you want to secure your rates for as long as possible, a 40-year term is an excellent choice.

Many of our clients receive instant or next-day approval with no medical exam required. If you’re in good health and meet the eligibility criteria, you can get covered in as little as 24 hours—all online, with no hassle. However, for higher coverage amounts or certain health conditions, a medical exam may be required.

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

Applying is fast & easy:

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

• Choose your coverage amount and term length.

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

• Get approved & covered!

It’s never been easier to protect your family’s financial future—get covered today!