Term Life Insurance: Affordable Protection for Your Family

Term life insurance is the simplest, most affordable way to protect your family during the years they need it most.

What Is Term Life?

Term life provides a death benefit for a set period — typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the death benefit tax-free. It's pure protection, with no cash value buildup.

Why Term Life Is a Smart Start

• Affordable — term costs a fraction of permanent life insurance
• Flexible — you choose the term that matches your need (e.g., until your kids are grown or your mortgage is paid off)
• Convertible — many term policies can be converted to permanent coverage later without a new medical exam

How Much Does It Cost?

A healthy 30-year-old can often get $500,000 of coverage for around $25–$30 per month. That's less than many families spend on streaming services.

Choosing the Right Term

• 10-year term — short-term needs, lowest cost
• 20-year term — covers child-rearing years
• 30-year term — covers a mortgage and long-term income replacement

What Happens When the Term Ends?

Most policies allow you to renew (at a higher rate) or convert to permanent coverage. Planning ahead means you lock in today's rate while you're young and healthy.

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