Term Life Insurance

Looking for life insurance but don’t know where to start?

A simple term life policy may be the best short-term solution to kickstart your protection now. Apply for a term life policy and safeguard your family today.

Get Covered

Stay Flexible with Term Life Coverage

Plan for the Future with 10, 20, or 30-year Term Life Insurance

Term life coverage is the most popular type of life insurance policy in the U.S. thanks to its lower premiums and higher payouts compared to any other type of life insurance. Like all insurance policies, term life insurance comes with its own unique pros and cons, making it a great fit for some and less so for others.

A term life policy is a good option for you if:

You are a young couple with a growing family
You're a senior looking for more affordable coverage (vs whole life insurance)
You want life insurance coverage for only a set term or need mortgage protection

Term Life Insurance Perks

No Medical Term Life Insurance Options

Historically, life insurance medical exams are a pain in the you-know-what and come with lengthy wait times for approval. While some companies offering term life insurance have made medical exams a little easier, some have done away with them completely to better serve their customers with quick and easy no medical term life insurance options.

Guaranteed Death Benefit

We get it… Talking about death makes a lot of people uncomfortable. Unexpected or untimely death, even more so. When you talk about life insurance all day like we do, you learn that talking about death is an unavoidable part of life. With term life insurance protection, you can have peace of mind knowing your family will be taken care of if the unthinkable happens.

Easy to Renew, Convert, or Terminate

Nothing in life is set in stone, so you’ve got to appreciate a plan that gives you options. Most term life insurance policies are set to expire after 10 to 30 years – though many give you the option to renew at an adjusted rate, convert your term life policy into whole life insurance, or terminate your coverage at no cost or penalty.

Term Life Insurance vs Whole Life Insurance

	Term Life Insurance	Whole Life Insurance
Period	10 - 30 Years	Entire Life
Cost	Lower Premiums	Higher Premiums
Coverage Reliability	Renewal Can Be Denied	Permanent
Cash Value	None	Savings Vehicle

Affordable No Medical Term Life Insurance

Principled Life is your one-stop shop for the best term life quotes out there. Let our knowledgeable life insurance brokers find you the most coverage with the lowest premiums – no medical exam required.

Chris, age 44

Happily Married • Some Health Concerns

Chris and his wife Sarah are unable to have children and have filled that heart-shaped hole with lots of dogs. Chris wants to ensure Sarah and the pups are financially secure no matter what.

Cost: $25/mo
Coverage: $300k
Term: 10 yr

Joanna, age 36

Single Mom • Good Health

Joanna is a single mother with three children, two boys and a girl, all under the age of 10. She’s in good health but knows she needs to plan for her kids’ futures and protect them financially.

Cost: $18/mo
Coverage: $250k
Term: 25 yr

Michael, age 63

New Grandfather • Good Health

Michael’s wife Abby passed suddenly last year and never got to meet their first grandchild, named in her honor. Michael wants to ensure his growing family is protected no matter what happens.

Cost: $60/mo
Coverage: $50k
Term: 20 yr

You’ve made it this far… Let’s get this done.

Give us 30 minutes and we’ll find you insurance that fits your life. It’s that simple.

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Term Life Insurance FAQs

What is a term life insurance policy?

How does term life insurance work?

What is the difference between term and whole life insurance?

How much term life insurance do I need?

Does term life insurance have cash value?

What happens to term life insurance if you don't die?

Is term life insurance worth it?

Finally, Peace of Mind

Rest easy tonight knowing your family is taken care of no matter what. All it takes is a quick call.