But many of us don’t get enough.
Calculate how much life insurance you need here.
$10K
Average cost of funerals1
30%
Percentage of families living in single-income households2
$208,185
Average mortgage balances3
that don't change during your initial term.
you can add on to your employer-provided coverage.
from $50k to $250k and 10 to 30 years.
up to 5 years before your initial policy ends.
with no additional hurdles.
helping families protect their loved ones for 110+ years.
Premium waivers can be issued from ages 18 to 55 ‐ payable if you’re unable to work for two years following disability, and any occupation insured is reasonably suited for thereafter. Subject to terms and conditions.
Add on additional coverage for accidental death. Your maximum is the lesser of the face amount of your base policy and $250,000. Issue ages are from 18 to 60.
Your kids can get coverage too, with policies ranging from $1,000 to $25,000. Base insured issue ages from 18 to 64.
Included at no extra charge (unless you decline when you apply). Elect up to 85% (97% in FL and NY) of death benefit ($250K maximum) if you have a terminal condition with less than 24 months (12 in FL and NY) to live. Death benefit remaining after benefit payment must be at least 10%.
Save up to 31% on coverage vs. the competition.*
| Our Rate | Farmers Insurance | |
|---|---|---|
| Male, 40 years old | $22.05* | $26.35* |
| Female, 40 years old | $17.64* | $23.18* |
*Savings calculated based on a comparison of like plans from Kasasa powered by Protective(R) and Farmers Insurance in June 2020. Plan prices compared were of a monthly premium based on a $100K simplified-issue term life insurance plan with a 10-year term for a 40-year-old male and female in excellent health as of June 2020.
Every person — and life stage — is different. Here’s how a term life policy can help.
For many, this is a time of furthering your education or gaining important training so you can make a better living. It’s also a time when many people begin accumulating debt.
Life insurance can help pay off any debts left behind like student loans, car payments, or other debts, so you don’t leave them behind for your loved ones.
Because mortgages are repaid over a long period of time, it’s likely you could still be paying off a mortgage when looking for a life insurance policy.
Life insurance can help pay off your mortgage and provide both shelter and income for any dependents.
If something were to happen to you, your spouse would get the primary responsibility of maintaining your finances.
Life insurance can help replace income, pay your share of debts or settlements, and leave more for the one you love.
Your needs are more expansive with a family — your home, debt, other loans, college savings, and retirement become all the more important.
Life insurance can help provide for your children’s education costs, pay off loans, and leave a nest egg behind.
Whether you’re in it solo, have a business partner, or plan to pass it on to your spouse and children, a term life policy can cover many business-related expenses.
Life insurance can help facilitate a partner buyout and/or cover any outstanding debts or expenses.
Your needs change as you go through life. And with a term life policy, you can be prepared for whatever comes next. Get your free quote below!
Life can be unexpected. Understand your options.
"Term life insurance covers you for a certain period of time (usually between 10 and 30 years), while whole life insurance policies are good for the entirety of your life."
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"It’s not the most exciting conversation to have, but it will be one of the most important ones."
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"If you are a homeowner, make sure the policy you choose will help those you leave behind to afford your home — and all the other related expenses that come with it."
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"Your employer-provided life insurance may seem like the easy slam dunk choice, but it’s important to also think about a few other factors."
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