Term Life Insurance
What is Term Life Insurance?
Coverage never decreases
Your family’s financial stability is important. If your health declines, your coverage doesn’t – it’s still yours and still active. As long as premiums are paid, you’re protected. You can also convert your Term Life into a Whole Life policy if your needs change as you age.
No exams, no waiting
Protect your family with straightforward insurance. TruStage's simplified process includes:
- No requirements for medical exams or intrusive tests
- Coverage that starts immediately once your first premium payment is received
- A no-strings-attached refund if you're dissatisfied and cancel within 30 days after your coverage begins
Easy reads, helpful info
How no exam life insurance works
Frequently asked questions
Term life insurance can be a great option if you have big responsibilities right now, and need a high coverage amount with a payment designed to be affordable. It helps protect your family when it's growing — when you're likely to need more coverage.
Any major life event — getting married, buying a home, changing jobs, having a child, paying for college expenses—is an important time to think about protecting your family with life insurance.
Any amount of coverage can make a difference for your family. As a starting point, you may want to consider budgeting 1% of your annual income before taxes. Of course, everyone’s needs are different, and a licensed TruStage agent can help you decide what makes sense for your family.
You can apply online or over the phone in just minutes. There are just a few questions and the decision is designed to be instant. So that we can confirm your health status without a long application or medical exam, we’ll ask your permission to check your prescription records.