The term period is the number of years you will have term insurance protection. You can purchase term insurance protection for 5, 10, 15, 20, 25 or 30 years, depending on your needs. The most common periods of death benefit protection purchased, and therefore the most competitively priced, are 10, 15, 20 and 30 year plans.

The coverage length you choose may affect policy cost and availability. All of our policy rates are guaranteed by the carrier for the full term, although you may cancel the policy at any time before the guarantee period is complete.