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• No medical exam for many applicants

Why Choose Term Life Insurance?

Term life is simple: you pay a low monthly rate for a set number of years, and if something happens to you during that time, your loved ones receive the coverage amount you chose. It’s the most affordable way to protect your family’s future.

Q: How much life insurance do I need?

A common guideline is 10–15 times your annual income. This helps cover living expenses, debts, and future costs like college.

Q: Is life insurance expensive?

Term life is surprisingly affordable — often less than the cost of a daily cup of coffee.

Q: Do I need a medical exam?

Many applicants qualify for no-exam policies. You can see your options instantly online.

Q: Why buy now?

Rates are based on age and health — the younger and healthier you are, the less you pay.

Why Waiting to Buy Life Insurance Could Cost You More Than You Think

If you’ve been putting off buying life insurance, you’re not alone. But waiting could mean paying more — sometimes much more — for the exact same coverage.

Life Insurance Pricing 101

Life insurance premiums are based primarily on your age and health. Every year you wait, the base rate goes up. If your health changes, the cost could increase even more — or you could be denied altogether.

The “Lock In” Advantage

Buying a policy today locks in your premium for the full term — whether it’s 10, 20, or 30 years. That means even if you develop health issues later, your rate doesn’t change.

Real Example

A healthy 35-year-old non-smoker could pay around $20/month for a $500,000, 20-year term policy. Wait until age 45, and the same coverage might be $45/month or more — a $6,000+ difference over the term.

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Disclaimer:

Licensed in Michigan. All quotes are provided by licensed carriers. Policies subject to underwriting.