Help protect your nearest and dearest.
Life insurance can help protect your family’s financial prospects for years to come — long enough to see them through life’s biggest moments and obligations (think mortgages or tuition).

So, how does term life insurance work?
It’s actually pretty simple. You make a monthly payment and if you pass away during your term, your beneficiaries — a spouse or children - receive the death benefit.
Some policies start around $11/mo. for up to 30 years coverage.
Your policy exists to provide financial protection for the duration of your term.
After a claim is approved, your beneficiary(ies) receive the death benefit.
How much life insurance do I need?
Methodology statement
Term life insurance coverage can be an important part of your financial planning, but how much coverage should you be looking for?
Our licensed insurance agents often recommend starting by multiplying your annual income by the number of years for which you’d like to replace that income.
Everyone’s needs are different and in doing your own research, you may find financial experts and insurance agents who recommend multiplying income by anywhere from 5x to 12x. For this calculator, we chose a multiplier of 6x.We have an ethical obligation not to recommend more coverage than we think a person needs or can reasonably afford.
We believe 6x helps determine a reasonable coverage starting point for most of our applicants who are looking to cover funeral expenses and create a financial pad for things like housing, bills, and the day-to-day costs of life.
It’s important to underscore again that everyone’s needs are different, and that the number generated by this calculator is an estimate only. Life insurance can be a big decision, and we encourage you to reach out to a financial advisor or a licensed insurance agent if you have more questions.
What is life insurance for?
If anyone counts on your income, you’re probably a good candidate for life insurance. It could provide some financial protection to help your loved ones pay for things like housing, school fees, or even a well-deserved vacation.

Help your family manage a mortgage or rent without you.

Pay for school fees or college tuition.

Help them maintain their quality of life.

Give your kids a helping hand with money for things like college.

It’s fast and easy.
When is the right time to buy life insurance?
It might be today! Typically, the younger you are, the lower your premium will be. Prices generally go up the longer you wait to buy. But once you buy your policy (if approved), we'll never raise your price during your term. We promise!
Got questions?
You're not alone. We get questions all the time.
Term life insurance is cheaper than whole life insurance. It provides coverage for a specific length of time (this is called a “term”) at a level premium (meaning the price doesn’t change) throughout the life of the policy. Whole life insurance covers you for life as long as you pay the premium, and includes a cash value component. Because the death benefit is guaranteed for your life, whole life is more expensive than term insurance.
To start a quote, simply click here. We’ve created a simple, online quote tool where you can get started. Enter your gender, birthdate, height, weight, and state of residence, to receive an estimate. If you like what you see, you can continue to apply.
As fast as 5 minutes! We’ve worked hard to make the application process quick and seamless so apply today.
Of course! We have Customer Care Advisors available to assist you with any questions or concerns that you may have. Give us a call at 1-800-835-8803, M-F 8am-5pm CT.