Term Life Insurance — Maximum Coverage Per Dollar.
A fixed-length policy (typically 10–30 years) with a locked-in premium. The right choice for most working families during their highest-stakes years.
In plain English.
Term life insurance is exactly what the name says: coverage for a defined term — usually 10, 15, 20, or 30 years. If you pass away during that term, the policy pays a tax-free benefit to your beneficiaries. If you outlive the term, the policy ends.
It's the simplest, cheapest, and most flexible form of life insurance. For most people, it's the right tool for the right window — the years when a mortgage is high and kids are dependent on your income.
The short version.
- 01
Choose your term and amount
Pick a coverage length (10–30 years) and a face amount ($100K–$5M typical). Most working families land at $250K–$1M, with mortgage and dependents driving the number.
- 02
Apply and underwrite
Application takes about 15 minutes. Depending on age and amount, you may need a brief medical exam or qualify for no-exam underwriting.
- 03
Pay your premium, stay covered
Premium is locked for the full term. If you pass during the term, your beneficiaries receive the death benefit tax-free.
- 04
Renew, convert, or end
At the end of the term, most policies offer renewal (at a higher rate) or conversion to permanent insurance — without a new medical exam.
Good fit if…
- Young to middle-aged adults with mortgages and dependents
- Anyone protecting an income window of 10–30 years
- Owner-operators with truck notes and family support
- Veterans replacing or supplementing VGLI
- Cost-conscious families who want maximum coverage now
What drives premium.
- Age. Younger applicants pay dramatically less. Locking in early is the single biggest lever for lifetime cost.
- Health. BMI, blood pressure, cholesterol, recent diagnoses, and family history all factor in. Carriers vary widely on what they reward.
- Coverage amount. More coverage = more premium, but per-thousand-of-coverage cost actually drops at higher tiers.
- Term length. 30-year terms cost more than 20-year — but locking in the longer term is often worth it if your need extends.
- Tobacco use. Smokers and recent vape users pay 2–3× more. Some carriers underwrite cigar use differently — we'll route accordingly.
The trade-offs nobody else will lay out.
Pros
- Lowest cost per $1,000 of coverage
- Predictable premium for the entire term
- Most policies are convertible to permanent insurance
- Simple, easy to compare across carriers
- No-exam options available up to certain ages and amounts
Cons
- Coverage ends at the end of the term — no payout if you outlive it
- Renewing later is significantly more expensive
- No cash value or savings component
- Term length must match your need — picking too short can leave a gap
Three steps. No surprises.
- 1
Free Will Kit + 15-min review
Start with the kit so you have your documents in order. The review surfaces what coverage actually fits.
- 2
Carrier match + quote
We pre-qualify you against multiple carriers and present the top 2–3 options side-by-side.
- 3
Application + decision
We submit, manage the medical exam if needed, and walk you through the approval. You sign electronically when the policy issues.
How this product has played out for real families.
Twenty-year term, $750K, $42/month. Took less than 30 minutes start to finish.
Compared three brokers — Dalis quoted me $14/month less for the same product.
Term Life — top questions answered.
Can I get coverage without a medical exam?
Often yes. Most carriers offer no-exam (sometimes called 'simplified issue') up to certain ages and coverage amounts. The cap varies — generally up to $500K for healthy applicants under 60.
What happens if I outlive my term?
The policy ends. You can renew (typically expensive at older ages), convert to permanent (often the smarter path), or buy a new term — sometimes with a new medical underwriting.
Should I get a 20-year or 30-year term?
Match the term to the need. If your kids will be financially independent in 20 years and your mortgage paid off, 20-year often fits. If you want maximum runway and protection through retirement, 30-year usually wins despite the higher premium.
Can I increase coverage later?
Generally not on the same policy — but you can layer a new term policy on top, or convert your existing one to permanent. We'll architect ladders if that fits.
Is term life worth it if I'm healthy?
Yes, especially if you're healthy. Healthy applicants get the best rates available. Locking in 20+ years of low premium while you're young and healthy is one of the cheapest financial protections you can buy.
What does it cost a 35-year-old?
A non-smoking, healthy 35-year-old can typically get $500K of 20-year term for around $25–$40/month. Exact pricing depends on health, height/weight, and family history — we'll quote you specifically.
Start with the free Will Kit. No pressure, no obligation.
We'll mail your kit, then schedule a 15-minute review whenever you're ready.