Affordable Term and Whole Life Insurance

• No medical exams required.  
• Get approved even with moderate to severe health conditions.   
• Refund of all your premiums paid to you if you never use it.  
• Pays you cash benefits during your life if you become disabled or chronically ill. 

Get Covered

What to Know

Term life insurance policies are simple and affordable plans to protect your family should something happen to you. You choose your term and a large or small amount of coverage – all at a low cost. 

Certain stages of life come with greater financial burdens than others and term life insurance provides peace of mind when you need it most.

Take All the Hassle Out- Book a Free Consultation

A licensed agent can help you customize a plan and check back in to make policy adjustments as your needs change. Get in touch by phone or over video conference.

Benefits of Term Life Insurance

Easy Application
No medical exam required, apply in minutes online or with the help of a our insurance advisors.
Affordable & Flexible
Policies can cost less than $15/month
Choose your term and the coverage
that’s right for you
Get Covered

See just how affordable term life insurance rates can be

Meet Kristen D.
At 28, Kristen wants an affordable life insurance policy to protect her husband if she were to die.
  • Coverage: $150,000
  • Term: 20 years
  • Rate: $37/ month
Meet John G.
John is 43 years old and needs an affordable life insurance policy for his growing family.
  • Coverage: $100,000
  • Term: 25 years
  • Rate: $48/ month
Meet Andrea P.
Andrea, a 35-year-old mother of three, can provide for her loved ones if she passes away.
  • Coverage: $250,000
  • Term: 15 years
  • Rate: $27/ month

Term Life Vs. Whole Life Insurance.

Term Life Insurance Whole Life Insurance
What is it? “Renting” your coverage “Owning” your coverage
Length 10,15,20,25 or 30-year term Your whole life
Affordability Plans start at less than $20/month More expensive
Cash Value No Yes
Payment Flexibility None. If you miss a payment, your policy will terminate. More flexibility given the cash value component of your policy.
Return of Premium Rider Yes, an option No, not an option

Frequently Asked Questions

None of us can know when we’ll pass away or when our health situation may change for the worse. For the best rate, it makes sense to apply for term life insurance online today.
Most people who are in good health will qualify for coverage. You may still qualify for term life insurance if you have existing health problems, although your premium will likely be higher.
Term life insurance is generally the least expensive type of life insurance you can buy as it only covers a specified time frame. Rates can be less than $20/month.
Everyone has different insurance coverage needs. To help determine how much coverage is right for you and your family, visit our guide on life insurance coverage or connect with our insurance advisors to ensure you are securing the right amount of coverage for your family.

Ready to apply?

Get a free quote in seconds based on your insurance needs, then continue to our online application and secure the coverage you need in 10 to 15 minutes. It’s really that simple.

Quote & Apply Now.
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