Silhouette of a young family holding hands on a hill at sunset, a child on dad's shoulders

No medical exam on most policies Term life insurance

Protect the life you're building.

Coverage for the years your family counts on your paycheck: the mortgage, the kids, the bills. I compare several insurance companies to find the plan that fits.

How much do I need?

Free, no obligation 10 to 30 year terms Apply by phone, email or video

How term works

Big coverage for the years that matter most.

You pick the amount and the length. If you pass away during the term, your family gets the full amount, tax free. Your price stays the same the whole time.

Example plan 20-year term

$500,000 coverage

TodayCoverage starts Year 15Kids grown Year 20Mortgage paid down

Coverage calculator Not sure how much you need? Move the sliders. It adds up your income, the house, debts and school, then subtracts what you already have.

Your yearly income

Years to replace your income

Mortgage balance

Years left on the mortgage

Other debts Car, credit cards, student loans

Kids We plan $50,000 each for school after high school

Age of your youngest

Coverage and savings you already have Work coverage, other policies, savings

Your starting number

An estimate to start the conversation, not advice for your situation. It includes $15,000 for final costs. Your real number depends on your goals, budget and health.

Term life Most coverage for the price Lasts 10 to 30 years. Best for young families, mortgages and income replacement.

Whole life Lasts your whole life Costs more per dollar of coverage. Best when you want coverage that never ends. See whole life

Common questions

Do I need a medical exam?

Most policies don't. Larger amounts or some health histories may need one. I'll tell you up front.

What happens when the term ends?

Coverage stops, or you can often convert it to permanent coverage without a new exam.

How fast can I be covered?

Some plans approve in minutes. Others take a few weeks if the company needs records.

See what your family's coverage costs.

About 2 minutes. No medical exam on most policies.