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
What should I consider when naming life insurance beneficiaries?
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.