The general rule of thumb is to have coverage that's 10-15 times your annual income. However, your specific needs depend on factors like your debts, mortgage, future education costs for children, and other financial obligations. Our calculator can help you determine an appropriate coverage amount based on your specific situation.

It depends on your age, the coverage amount, and your health history. Many applicants qualify for our no-exam policies, especially for coverage amounts under $500,000 and for applicants under 50. For higher coverage amounts or older applicants, a simple medical exam may be required to finalize your rates.

Your term length should ideally cover your longest financial obligation. For example, if you have 25 years left on your mortgage, a 30-year term would provide coverage throughout that period. Similarly, if you have young children, you might want coverage until they're financially independent (typically through college).

Yes, many of our term policies include a conversion option that allows you to convert to a permanent policy (like whole life) without taking another medical exam. This option is typically available during a specific conversion period, which varies by policy.

Yes, with our level term policies, your premiums are guaranteed to remain the same throughout the entire term of your policy. This makes budgeting easy and predictable, as your costs won't increase as you age or if your health changes during the policy term.

If you outlive your term policy, your coverage simply ends. You won't receive any benefits, but that's actually good news—it means you're still alive! At that point, you can choose to purchase a new policy, convert to permanent insurance (if your policy includes that option), or go without coverage if you no longer have dependents or financial obligations.

For eligible applicants, our accelerated underwriting process can provide coverage in as little as 24-48 hours. No-exam policies can be even faster, sometimes providing same-day coverage. Policies requiring medical exams typically take 2-4 weeks to process.