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Term Life Insurance - Let us find your best coverage - affordable protection for the years your family needs it most
Term life insurance pays a tax-free death benefit if you pass away during the term – 10, 20 or 30 years – at the lowest cost per dollar of coverage. Send us a few details and we will compare plans from top-rated carriers – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Term Life Quote Request
Applicant Information:
Have these handy
- Date of birth and state of residence
- Current coverage, if any
- Annual income and debts
- Health history and medications
Related coverage
Coverage details
What Term Life coverage includes
Term life insurance pays a tax-free lump sum to your family if you die during the term you choose, usually 10, 20 or 30 years. It is the most affordable way to buy a large amount of protection for the years your family depends on your income, such as while raising children or paying off a mortgage. We compare carriers on price and on how they underwrite your health history.
- Death benefit - Tax-free lump sum to your beneficiaries.
- Level premiums - Premium locked for the term.
- Conversion option - Convert to permanent coverage without new health questions.
- Riders - Child, waiver of premium and accelerated benefit riders.
- Mortgage and income protection - Covers debts and replaces income.
- Term lengths - 10, 15, 20, 25 or 30 years, matched to your mortgage or the years until children are independent.
- No-exam options - Some carriers approve healthy applicants without a medical exam.
Good to know: a common rule of thumb is 10 to 12 times your annual income, plus your mortgage and other debts, education costs and final expenses. Rates are based on your age and health on the day you apply, so buying earlier usually costs less.
Not covered: death by suicide in the first two years, and claims tied to misstatements on the application.
Insurance Application:
Term Life
Required forms
Term Life Supplemental Application (PDF)
Related life and income supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Life insurance explained
How life insurance works
Life insurance replaces the financial support you provide if you die. The right type depends on how long you need coverage and whether you also want to build cash value.
Term life
Pure protection for a set number of years at the lowest cost. If you outlive the term, coverage ends or can be renewed or converted.
Whole life
Lifetime coverage with fixed premiums and guaranteed cash value that grows over time.
Universal life
Lifetime coverage with flexible premiums and a cash value tied to interest rates or an index.
Final expense
Smaller whole life policies, often with simplified underwriting, to cover funeral and end-of-life costs.
Term or permanent? Many families buy term to cover the years of greatest need and use the savings to invest. Permanent coverage makes sense for estate planning, a lifelong dependent, business succession or leaving a guaranteed legacy. We can show both side by side.
Applying
What affects your life insurance rate
Rating factors
- Age and gender
- Height, weight and medical history
- Tobacco and nicotine use
- Prescription history and family health history
- Driving record and hazardous hobbies such as flying or diving
- Coverage amount and term length
What to expect
- A short application and phone interview
- A paramedical exam with blood and urine samples, unless you qualify for no-exam
- Review of prescription and medical records
- A decision in days to a few weeks
- Your rate class is offered before you pay anything
Name your beneficiaries carefully. Life insurance proceeds generally go directly to your named beneficiaries outside of probate. Name a contingent beneficiary, and consider a trust if minor children would inherit.
Life and income options
Find the right life and income protection
Start with the term life application, or choose the coverage below that fits your goals. Each option links to its own quote page and supplemental application.
Life insurance
Permanent / Whole Life
Lifetime coverage with guaranteed cash value.
Get a quote Supplemental application (PDF)Universal Life
Flexible lifetime coverage with adjustable premiums.
Get a quote Supplemental application (PDF)Survivorship (Second-to-Die) Life
One policy on two lives, often used for estate planning.
Get a quote Supplemental application (PDF)Final Expense
Smaller policies for funeral and end-of-life costs.
Get a quote Supplemental application (PDF)Income and health protection
Disability Income
Replaces part of your paycheck if illness or injury keeps you from working.
Get a quote Supplemental application (PDF)Long-Term Care
Pays for home care, assisted living or nursing care.
Get a quote Supplemental application (PDF)Accident & Critical Illness
Lump-sum cash after a covered accident or diagnosis.
Get a quote Supplemental application (PDF)Accidental Death & Dismemberment
Extra benefit for accidental death or serious injury.
Get a quote Supplemental application (PDF)Planning for the future
Annuity Suitability
Guaranteed retirement income and tax-deferred growth.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.