Instant Term Life Insurance Rates.
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Written by Brian Greenberg, CEO / Founder & Licensed Insurance Agent|MDRT member since 2013 · Licensed in all 50 states|Last reviewed: June 2026Quick answer: Term life insurance covers you for a fixed period, usually 10 to 30 years, and pays your family a tax-free death benefit if you pass away during the term. It is the most affordable type of life insurance: a healthy 35-year-old can often get $500,000 of coverage for around $20 a month.
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Get My Term Life QuoteNot sure if Term Life is right for you?
Take one of our quick quizzes to find the perfect coverage type or discover exactly how much insurance you need to protect your family. Want coverage that never expires? Compare whole life insurance. In a hurry? Many carriers offer no-exam term policies approved in days. You can even measure a policy's value with our free iROI calculator.