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Select a term life policy based on where you are in your life and your unique needs.
Ensure your partner is ready for the unexpected.
Protect your family as it grows.
Enjoy peace of mind knowing they're protected.
Grow and protect your legacy.
Your policy never leaves you as your jobs changes.
Term life insurance provides financial protection such as income replacement, mortgage payoff, student loans, and much more. Visit our in-depth learning center to see how you can use it to protect what matters.
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Tell us about yourself to find out how much coverage you may need.
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We believe in helping more people achieve the protection and security they deserve.
We protect more than 14 million people. To us, it's not complicated. It's simply our duty and responsibility to put people first. We have a quick, simple quote process with no email required.
See how affordable life insurance can be. Get your fast, free quote now to purchase coverage for whatever time frame you may need.
How does life insurance work? Do you need it? Can you afford it? This brief video describes the basics of life insurance and a link to a guide busting life insurance myths.
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A little bit of education can go a long way in understanding how life insurance protects you, your budget and your family.
What is term life insurance?
Term life insurance policies provide coverage for a set period of time (i.e., 20 years). The death benefit is paid only if the insured dies during that timeframe. Term life is often less expensive than other life insurance policies but offers no cash value.
How does term life insurance work?
Term life insurance works by providing a fixed death benefit if the insured dies during the policy period, typically 10-40 years. The limited timeframe for payout makes term life less expensive than permanent life insurance.
What is the difference between term and whole life insurance?
While term life policies provide coverage for a limited timeframe (i.e., 20 years) whole life policies feature a guaranteed lifetime death benefit (when required premiums are maintained) and can build cash value that can be borrowed against. These additional whole life benefits make it more expensive than term life.
How much term life insurance do I need?
The amount of term life insurance needed varies by individual and often includes funding to replace income, pay off a mortgage and other debts, and/or cover specific expenses, like a child's education. Here's a tool to help with that calculation.
