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.
Start your new beginning confidently — and with the help of term life insurance.
Do you have any unpaid debts?
Whether you’re getting married, having a baby, starting a business, or purchasing a home, knowing what you need to pay off (and how long it will take) is crucial for budgeting.
What assets do you have now?
What’s in your savings, investments, and retirement accounts? Do you own a home or business? Spend some time figuring out the assets you do have today — so you know what you need to protect for the future.
What are your career plans?
As your life changes, your career plans and aspirations may too. For example, if you’re starting a family, you and your partner might decide it’s best that one parent stay at home. Or if you’re going back to school, you might decide to work part-time to focus on your degree. Understanding your career plans (and how it might affect your finances) can help you better prepare for a new chapter.
Do you already have a life insurance policy?
Some employers offer life insurance as a benefit, which usually is equal to your annual salary. For some, this might be enough to cover any outstanding expenses, but for others, it may only scratch the surface. Assess the life insurance you already have available to you, so you can get a better idea of what you need in your next chapter.
With a term life policy, you can live in the moment — and protect whatever’s next. So if something unexpected happens, you can rest assured that the life you’re building today can have a long-lasting impact on your loved ones’ tomorrow.
One more question: want to get started? See your free quote for term life insurance below!
Life can be unexpected. Understand your options.
"Find out how a term life insurance policy can help you, your spouse, and your family make ends meet and feel financially secure — if the unexpected were to happen."
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"We’re breaking down everything you need to know, so you can make an informed decision on the policy that’s right for you — and the most beneficial to the loved ones that rely on you. "
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"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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