Life Insurance · Term Life
Protecting your family costs less than your coffee habit
If your family depends on your income, term life insurance isn't a luxury — it's a necessity. A $500,000–$1,500,000 tax-free benefit often costs just $30–50 a month. I compare quotes from 18+ carriers to find your best rate.
What's included
- 10-year term
- 15-year term
- 20-year term
- 30-year term
- Income protection
- Mortgage protection
- Family protection
- Business protection
- Living benefits (where available)
- Conversion options (when available)
- Policy comparison across carriers
Who this is for
- Parents — anyone whose kids depend on their income
- Homeowners with a mortgage
- People in demanding or hazardous jobs — truck drivers, construction
- Business owners protecting partners and key people
- Young families locking in low rates while healthy
How term life works
You choose a coverage amount (the death benefit) and a term — 10, 15, 20 or 30 years. If the insured passes away during the term, beneficiaries receive the full benefit tax-free: money to replace income, pay off the mortgage, fund education and keep the family's life on track.
How much coverage? A common approach: enough to cover your family's expenses for the years your kids need to reach independence. If your child is 10, a 15-year term sized to your family's income or spending over those years is a sensible starting point.
The math is surprisingly kind: a healthy 35-year-old can often get $1,000,000 of 20-year coverage for roughly the price of a few coffees a month. Rates lock in when you buy — which is the argument for buying while young and healthy.
A small payment today, a different life tomorrow
Your income protects your family today. Term life insurance protects them if one day you're not there — it's that simple, and that important.
Many policies offer living benefits — early access to part of the benefit in case of serious illness — and conversion options that let you switch to permanent coverage later without a new medical exam.
As an independent broker I quote Prudential, Transamerica, Mutual of Omaha, John Hancock, Protective, Corebridge and a dozen other carriers — rates for the same coverage genuinely differ, and the comparison is free.
Carriers I work with
As an independent broker I hold contracts with these insurance companies — and compare their plans side by side for you.
- John Hancock
- Lafayette Life
- Lincoln Financial
- National Life Group
FAQ
Frequently asked questions
How much coverage do I need?
A quick rule of thumb: 10–15× your annual income, or your family's projected expenses until the kids are independent plus outstanding debts. We'll calculate it properly in ten minutes — everyone's situation is different.
What does it actually cost?
For a healthy non-smoker in their 30s–40s, $500K–$1M of 20-year coverage typically runs $30–70/month. Exact pricing depends on age, health and term — I'll pull real quotes from 18+ carriers for you.
What happens when the term ends?
Coverage simply ends (or renews at higher rates). Many clients ladder terms to match their needs — e.g., a 20-year policy while the kids grow up. Some policies can be converted to permanent coverage along the way.
Do I need a medical exam?
Not always — many carriers now offer no-exam underwriting at competitive rates for qualified applicants. We'll see what you qualify for.
Find out your rate — it's probably lower than you think
Five minutes of questions, quotes from 18+ carriers, zero pressure. Your family is worth the conversation.
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