The simplest, most affordable life insurance — pure protection for the years your family depends on your income.
Short on time? Watch it in 34 seconds
Term life insurance
The whole idea in four beats — windows, amounts, and the price surprise.
How term life works, in four beats.
You pick a window of time
Usually 10, 20, or 30 years — the stretch when people count on your income. Until the kids are grown. Until the mortgage is gone. That window is your 'term.'
You pick an amount
The death benefit: what your family receives, tax-free, if you die during the term. A common starting point is 10–15 times your annual income.
You pay a level premium
With level-term (the standard kind), the price is locked for the whole term. No investment component, no cash value — that simplicity is exactly why it's cheap.
The window closes
Outlive the term — statistically, you probably will — and coverage simply ends. That's not a scam; it's the deal. You paid for protection during the years that mattered most.
The surprise is the price.
how much people typically overestimate the cost of term life
ballpark for a healthy 30-something's 20-year, $500k policy
what your family pays in income tax on the death benefit
Illustrative industry ballparks for educational purposes — actual rates are set by carriers through underwriting.
What actually moves the number?
Play with the coverage amount and watch what it means for a family — not what it costs (that depends on you), but what it does.
Income replaced
Roughly 7 years of a $75k income — time for a family to grieve, adjust, and rebuild without financial panic.
What it could clear
A typical mortgage balance plus several years of household expenses.
Illustrative only — never a quote. Actual figures depend on carrier underwriting.
Three myths that cost families dearly.
Tap a card to flip it.
The one feature worth asking about.
Many term policies include a conversion privilege: the right to swap into permanent coverage later without a new medical exam. If your health changes during the term, this quietly becomes the most valuable clause in the contract.
And if your window closes but you still need coverage? Renewal is usually possible at a higher rate — but for most families, the honest answer is that a well-sized term simply did its job and retires with a thank-you.
Wondering what your window looks like?
Five minutes of plain-English questions maps your situation — how much, how long, and whether term is even the right tool for you.