Term Life Insurance FAQ

  • Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. If the insured passes away during the policy term, the policy pays a death benefit to the beneficiaries. Because it offers protection for a set period without building cash value, term life insurance is often one of the most affordable ways to secure financial protection for your loved ones.

  • Once the term expires, your coverage ends. You can choose to let the policy lapse, renew it on a year-to-year basis (usually at a higher rate), or convert it into a permanent life insurance policy.

  • Yes. Most term policies include a "conversion rider." This allows you to switch to a permanent policy (like Whole Life) without taking a new medical exam or proving good health.

  • A standard rule of thumb is to aim for 10 to 12 times your annual income. You should also factor in the total value of your mortgage, outstanding debts, and future college tuition costs.

  • Not always. While traditional policies require a brief health exam, we offer many "no-exam" or simplified-issue term options that approve coverage based entirely on your online health questionnaire.

Life can change in an instant, but the protection you leave behind can make all the difference. Term life insurance provides affordable coverage designed to help protect your loved ones, their future, and the life you’ve worked hard to build. With the right plan in place, you can move forward with confidence knowing the people who matter most are financially protected when they need it most.

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