Term life insurance: Protection for your big plans. (And for your littlest ones.)

I am 

 and I care about 

You look out for loved ones every day. Term life insurance helps protect their futures, too.

It goes without saying that you could never be replaced, but with life insurance, your loved ones wouldn’t be burdened with the financial pressure that would come with your loss. Here’s why: the proceeds of life insurance can be used to help preserve your beneficiaries’ standard of living and fulfill future goals, and generally come free from federal income tax.


Term life policies often start you at a lower premium for a set period of time. You choose the length of time you’d like to carry the policy, and at the end of the term, you typically have the option to easily renew or upgrade to a permanent policy.

In this way, purchasing term life when you’re young can lock in your access to affordable life insurance for the term period—even if your health status changes. You can convert your coverage to more rewarding permanent policies, like whole life insurance, possibly at a lower price than if you’d put off purchasing until you’re older.

Could a term policy be right for you?

Term can be the perfect solution for those balancing high expenses with a high need for protection, for example, when you’re starting a family. Ultimately, term life is a cost-conscious solution to get the most protection you can now, while still providing you with an opportunity to convert to a permanent policy later on.

Finally, term insurance is a great option for people who need:

  • Coverage for a well-defined period of time
  • Business protection (in the event you’d lose a key employee or business partner)
  • Extra coverage on top of other, permanent life insurance

Considering term? Consider this.

Buying life insurance is an important decision. Here are a few important factors to keep in mind as you determine what plan is right for you:

It’s About More than Burial Insurance

Learn the ways that life insurance can help you leave a lasting legacy, beyond immediate needs after your death.

It’s a Great Choice for Single Parents

With term life, protecting your children’s security can be more affordable than you think.

You Can Convert to Whole Life Later

You can upgrade all or some of a convertible term policy to a permanent whole life policy and start building cash value.

The Truth Behind the Cost of Life Insurance

Before you buy life insurance, get the facts on why cheaper isn’t always better.

How much life insurance do I need?

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