Protect Your Family’s Future with Affordable Term Life Insurance

Term life insurance provides coverage for a set period (such as 10, 20, or 30 years). If you pass away during that term, your beneficiaries receive a payout.

Rates depend on age, health, lifestyle, and coverage amount. Generally, the younger and healthier you are, the lower your premium.

• A healthy 30-year-old male can expect to pay around $20–$30 per month for a 20-year, $500,000 policy.

• A healthy 30-year-old female might pay closer to $15–$25 per month for the same coverage.

• By age 40, the same $500,000 policy often costs $35–$50 per month.

• By age 50, premiums usually rise to $90–$120 per month.

These are averages—actual rates vary based on your health profile and insurer underwriting.

A common rule of thumb is 10–15 times your annual income, but it depends on your debts, mortgage, lifestyle, and dependents’ needs.

Many policies require one, but some offer no-exam coverage.

Anyone with financial dependents—like children, a spouse, or aging parents—should consider term life to protect their loved ones.

Yes, you can cancel at any time, but once canceled, you no longer have coverage and won’t get refunded premiums.