Best Term Life Insurance

Easy and Affordable

Finding the best term life insurance policy to protect those you love most doesn’t have to be complicated or time-consuming. Term Life Insurance is simple and affordable; many insurance carriers and plan options are available to fit any budget.

A few quick questions will help us understand your needs to find the best term life insurance coverage based on your health. Many plans don’t require a physical examination. We offer coverage from America’s leading insurance companies that fit your budget in just a few minutes.

At Vestisure, we will find the perfect life insurance plan for you and your family and answer any questions at every step.

What is Term Life Insurance?

Term life insurance is a straightforward type of life insurance that provides guaranteed coverage for a specific period of time or "term." Here are the key things to know:

Set Term

Term life insurance policies are set for a fixed period of time, such as 10, 20, or 30 years. The coverage lasts only during this term and expires at the end.

Premiums

The cost (premium) for term life insurance is typically lower than that of permanent life insurance, making it a more affordable option for many people.

Death Benefit

The coverage amount, or death benefit, is guaranteed level for the term of the policy and is paid out to your beneficiaries when the insured person dies during the policy term.

Cost Factors

Premiums are based on the insured's age, health, lifestyle, the policy term length, and the amount of coverage. It is true that younger, healthier people generally receive lower rates.

Renewable Term Insurance

Some term life policies offer the option to renew at the end of the term without a medical exam, though premiums may increase based on the insured's age at renewal.

Policy Expiration

If the policyholder outlives the term, the policy expires without payout. Some policies offer a return of premium option where the premiums paid are returned if the policy expires without a claim.