What is Term Life Insurance?
Term Life Insurance includes a death benefit for a set period, subject to the policy contract.
Term Life Insurance
Coverage for a selected period.
Term Life Insurance provides coverage for a period stated in the policy contract. Common terms may include 10, 20 or 30 years.
Coverage summary
This page presents the structure, policy considerations and general information for this coverage type.
Coverage details
Review the essentials.
The sections below describe general features and considerations for this coverage type.
How it works
The applicant selects a coverage amount and term. Premiums and eligibility depend on age, health, state, carrier and other underwriting factors.
Coverage considerations
Income, dependent care, debt and mortgage obligations may be considered when reviewing a coverage amount.
End of the term
Coverage ends after the selected term unless renewal or conversion options are included in the contract. Premiums may change after the initial term.
Policy considerations
Items to review before applying.
Policy selection depends on individual circumstances, carrier requirements and the terms of the insurance contract.
Coverage need
Consider the financial responsibilities and coverage period relevant to the application.
Policy details
Review duration, premiums, benefits, exclusions and available policy features.
Contract terms
The issued policy contract determines coverage, conditions and obligations.
Frequently asked questions
General information about this coverage.
Specific policy details vary by carrier, state and applicant.
Common term lengths include 10, 20 and 30 years. Availability varies by carrier and applicant.
Quote request
Request information about this coverage.
Available products and policy terms depend on the carrier and applicant.