Term Life Insurance, Explained
Plain-English guides written by a licensed agent, built on real rate data and primary sources. Read what you need, skip what you don’t.
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Long-form guides that answer one question all the way through.
What Is Term Life Insurance?
How term life works, what it costs at your age, how it compares with whole life, and how to choose a term length.
Read the guideHow to Compare and Buy Term Life Insurance Online
Direct, marketplace or broker: where to buy, what it costs by age, how to compare quotes, and what happens on the application.
Read the guideTerm Life Insurance for Self-Employed People
No group coverage through work? How much you need, what it costs, whether it’s tax-deductible, and how to apply.
Read the guideWhat Term Life Costs
Rate tables from the CoverSavvy Term Life Index, by age and by term length.
By age
Term Life Insurance Rates by AgeA rate page for every age from 20 to 65. Term Life Insurance FAQsWhat affects your rate, and what the tables mean.By term length
10-Year Term Life Insurance Rates10-year rates for ages 20 to 65, with how the term fits. 15-Year Term Life Insurance Rates15-year rates for ages 20 to 65, with how the term fits. 20-Year Term Life Insurance Rates20-year rates for ages 20 to 65, with how the term fits. 25-Year Term Life Insurance Rates25-year rates for ages 20 to 63, with how the term fits. 30-Year Term Life Insurance Rates30-year rates for ages 20 to 58, with how the term fits.Run Your Own Numbers
When you’re done reading and want an answer for your own household.
How Much Term Life Insurance Do You Need?
A capital-needs calculator that shows how much coverage you need and how that need changes over time.
Open the calculatorGet a Term Life Quote Online
Compare quotes from multiple carriers and apply online, or talk to a licensed independent agent. Your choice.
Get a quoteTwo Ways to Buy
Do it yourself online, or have an agent handle it. Policies cost the same either way.