The simplest, most affordable way to protect your family during the years that matter most.
Term life insurance provides a death benefit for a specific period of time — usually 10, 20, or 30 years. If you pass away during the term, your family receives the full death benefit tax-free. If you outlive the term, the policy ends.
Because there’s no cash value component, term insurance gives you the most coverage per dollar. A healthy 35-year-old can often get $500,000 of 20-year term for less than the cost of a streaming subscription.
Term insurance is the right call when you have a specific window of risk — raising kids, paying off a mortgage, building a business. You’re covering the period when your family depends on your income most.
Many of my term clients also choose convertible term, which lets you upgrade to a permanent policy (whole life or IUL) later without re-qualifying medically. That flexibility is huge if your health changes.
What happens at the end of the term? The policy expires. You can renew at much higher rates (based on your age then) or convert to permanent coverage if your policy includes that option. That’s why I recommend convertible term — it preserves your options.
How much coverage do I need? A common rule is 10x your annual income, plus enough to pay off your mortgage and fund your kids’ education. I’ll run the numbers with you on a free call.
Can I get coverage without a medical exam? Yes. Several carriers offer no-exam term policies for healthy applicants up to certain face amounts (often $500,000–$1M). Approval is usually within 24–48 hours.