Big protection. Small monthly price.
Up to $2 million in coverage for up to 40 years — so your family can pay the bills, keep the house, and stay on track if you’re not there.
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Choose a death benefit sized to replace your income, pay off debts, and fund your family’s future.
Lock in protection for 10, 15, 20, 25, 30, 35, or 40 years — matched to the years your family relies on you.
Your monthly price is set when you’re approved and stays the same for the entire level-premium period.
*Price depends on age and health.*Maximum coverage amounts and term lengths vary by carrier and depend on your age, health, and financial situation. Longer terms such as 35 and 40 years are generally available only at younger issue ages. All coverage is subject to underwriting approval.
Every plan starts with the same foundation — a tax-free* lump-sum benefit paid to the people you choose. From there, you decide which extras matter to you.
Pure, affordable protection. The most coverage for the lowest monthly price.
Best for: Getting the most protection on a tight budget.
Coverage you can use while you’re still alive, if a serious illness or injury strikes.
Best for: Families who want protection for life’s “what ifs,” not just death.
If you outlive your term, you get back the premiums you paid.
Best for: People who want protection now and a payback later.
*Death benefits are generally income-tax-free to beneficiaries, and return-of-premium refunds are generally not taxable because they return money you already paid. Consult a tax professional about your situation. Return-of-premium plans cost more than level term, and refund terms vary by carrier. Living-benefit rider availability, qualifying conditions, and payout amounts vary by carrier and state; accelerated benefits reduce the death benefit paid to beneficiaries.
The right term covers you until your biggest responsibilities are behind you — the kids are grown, the house is paid off, and your savings can carry the load.
Short-term debts, business loans, or bridging to retirement
Getting older kids through school and out on their own
Raising young children until they’re independent
Covering a newer mortgage and a growing family
Matching a 30-year mortgage from day one
Young families who want protection well into their 60s
Locking in today’s rate for nearly your whole working life
Carriers price term life on how likely they are to pay a claim during the term. These are the factors that matter most.
The younger you are when you apply, the lower your rate. Waiting a few years usually costs more each month.
Medical history, current conditions, height and weight, and medications all shape your health class.
Smokers and vapers typically pay much more. Many carriers offer better rates after you’ve quit for a set time.
A larger death benefit costs more, though the price per dollar of coverage often drops at higher amounts.
Longer terms cost more per month because the carrier covers you for more years, and into older ages.
Return of premium and some optional riders add to the price. Level term is usually the least expensive.
A simple way to start: add up what your family would need to pay for, then subtract what you already have in place. Here’s how that might look for a hypothetical family.
This is a simplified illustration, not a recommendation. Your real number depends on your income, debts, savings, goals, and how many years your family would need support. I’ll walk through your own numbers with you.
How much coverage do you need?Enter your income, debts, mortgage, savings and existing coverage for an instant, educational estimate.
Try the calculatorTake a healthy 35-year-old non-smoker weighing two options. Neither is “better.” Each fits a different situation.
| Policy A$500,000 · 20-year term | Policy B$750,000 · 30-year term | |
|---|---|---|
| Coverage lasts until | About age 55 | About age 65 |
| Monthly premium | Lower. Locked for 20 years | Higher. Locked for 30 years |
| Covers a 30-year mortgage? | Only the first 20 years | Yes, the full loan |
| May suit someone who | Has older kids, a shorter mortgage, or a tight budget | Has young kids, a new mortgage, and wants protection to retirement |
| Trade-off to weigh | Less coverage, and it ends sooner. New coverage later would cost more at an older age | Costs more each month, and you may pay for coverage longer than you need it |
For illustration only. This is not a quote or a guarantee of coverage or price. Actual premiums depend on your age, health, tobacco use, coverage amount, term length, carrier, and underwriting approval.
A serious diagnosis can bring big medical bills and months without a paycheck. Living-benefit riders let you accelerate part of your death benefit while you’re alive, so you can focus on getting better — not on how to pay the bills.
The most common worry about term life is “what if I pay for 30 years and never use it?” A return-of-premium plan answers that. If you outlive your term and the policy stays in force, the carrier returns the base premiums you paid.
Gives your family years of your paycheck, so everyday life can go on without you.
Pays off the mortgage, car loans, and credit cards, so your family isn’t left with them.
Keeps college, childcare, and your spouse’s retirement on track — just as you planned.
Term life is the simplest, most affordable way to protect the people who count on your income. It’s a great fit for:
Your age, health, and how much coverage you want — it takes about a minute.
I compare A-rated companies side by side on price, living benefits, and return-of-premium options.
Pick the plan and term that fit your budget. If nothing fits, you owe nothing.
“I don’t work for one insurance company — I work for you. My job is to find you the right coverage at the right price, with straight answers and zero pressure.”
Renzo Aurazo · Independent Life Insurance Broker · NPN 21687906
View my state licenses →A common starting point is 10 to 15 times your yearly income, plus your mortgage and other debts, plus future costs like college. I’ll walk through your numbers with you and recommend an amount — up to $2 million — that actually fits your family.
Pick a term that lasts until your family no longer depends on your income — usually until your youngest child is on their own and your mortgage is paid off. Terms are available from 10 up to 40 years, depending on your age.
Coverage ends, and so do the payments. Many policies let you renew year to year at a higher rate, or convert to permanent coverage without a new medical exam before a set deadline. With a return-of-premium plan, you also get your base premiums back.
Many carriers include terminal, chronic, and critical illness riders at no additional premium. Others charge a small fee. Any benefit you use early is subtracted from the amount your beneficiaries receive later.
It depends on your goals. If you value getting your money back and like the discipline of a built-in savings plan, it can be a great fit. If keeping your monthly cost as low as possible matters most, level term usually wins. I’ll show you both prices side by side.
Not always. Many carriers offer no-exam options that use health questions and records instead. Your age, health, and coverage amount decide what’s available — higher coverage amounts may require an exam.
Work coverage is usually just one or two times your salary, and it typically ends when you leave the job. A personal term policy stays with you no matter where you work.
The younger and healthier you are, the less term life costs. It takes about a minute, costs nothing, and there’s no obligation.
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This page is for general educational purposes only and is not a contract or a guarantee of coverage. Product availability, features, riders, coverage limits, term lengths, and pricing vary by carrier and state, and all coverage is subject to underwriting approval. This is not tax advice.