Official Guide: Types of Term Life (Quotes Comparison & More)

UPDATED: Mar 26, 2020

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In today’s world, insurance is a simple fact of life. We buy health insurance to protect our bodies, auto insurance to protect our cars, homeowners insurance to protect our houses, equipment replacement plans to protect our electronic devices, and more.
Life insurance is unique in that it isn’t intended to protect you or your possessions at all. Instead, it’s something you buy for yourself to protect those closest to you by leaving them a sum of money in the event of your death.
By design, you aren’t alive to see a majority of the benefit yourself.
If you have a family that depends on you for financial support, buying a life insurance policy is one of the most important decisions you can make.
Term life insurance is one of the simplest and most reliable forms of coverage you can buy. This guide will give you a complete overview of policy types, the buying process, sample rates, and how to find the best provider.
Start comparing life insurance rates now by using our FREE quote tool above.

Term Life Basics

Life insurance policies fall into one of two general categories, term or whole.
Term life insurance provides coverage for a specified period, usually between 10 and 30 years. Once that period expires, the insurer cancels the coverage unless you opt to renew or convert the policy.
Here’s a brief overview of term life from a top provider:

Term policies are mostly designed to cover final expenses and outstanding debts in the event of an unexpected death, so those left behind are not left with a burden.
On the other hand, whole life insurance provides coverage for as long as you live with no set time limits. As long as your premiums are current, the insurer will pay a guaranteed benefit upon your death, whenever that may be.
For example, if a 25-year-old man buys a $500,000, 30-year term policy, his coverage ends at age 55. If he dies any time after age 55, the insurer won’t pay anything to his beneficiaries.
It’s similar to buying an extended warranty on a new appliance.
You pay extra money out of pocket for protection over a set period. If the appliance breaks down during that period, the company replaces it. If it breaks down after the warranty ends, they don’t replace it, regardless of the extra money you paid.
On the other hand, imagine that the same man bought a whole policy instead. As long as his payments were current at his time of death, the insurer would pay $500,000 to his beneficiaries, regardless of how old he was.
Using the same analogy, whole insurance is like buying a lifetime replacement plan versus an extended warranty.

Term policies are designed for those who want to plan for an unexpected death before they’ve paid their debts or set up their family with adequate savings.

Whole policies are made for those who want to leave money behind regardless of their financial situation or time of death.

Who should buy term life?

According to the 2018 Insurance Barometer Study from Life Happens and LIMRA, 35 percent of households would be financially impacted within one month of the primary wage earner’s death.
Still, almost half of all adults in the United States don’t have life insurance. Of those that do, 20 percent feel their coverage is insufficient to meet their financial needs.
Given those findings, it’s easy to conclude that you need to buy a life insurance policy. The hard part is deciding which type. The first of many decisions on the road to purchase is choosing between term life or whole life.

Cost is a determining factor for many families. Insurers price policies based primarily on financial risk.

Term life insurance represents less of a risk to the insurer. Because the policies expire after a set period, there’s always the possibility that the company will never have to pay a benefit.
A whole policy is a greater risk because the benefit is guaranteed. The insurer is eventually going to have to pay out on the policy. On top of that, there is a possibility that they’ll have to do so before they’ve made enough profit on the premiums to cover the payment.
Insurers pass that risk onto the policyholder in the form of higher premiums. So a term policy will always cost less than a whole policy with the same face value.
Whole life insurance also comes with savings and investment components that add to the cost. Those components might be more than most people need out of a policy.
For that reason, many financial planners and consumer advocacy organizations suggest that a term policy is a better choice for a majority of families.
Specifically, those in the following situations could benefit more from a term coverage than a whole policy.

Maintaining a Budget

The 2018 Insurance Barometer Study from Life Happens and LIMRA found that 61 percent of people don’t buy life insurance because they have other financial priorities. They think the cost of coverage could derail their budget and keep them from paying their other obligations.

That same study found that 44 percent of millennials overestimate the cost of insurance by five times the actual amount.

The truth is, term life insurance can be very affordable. It provides substantial benefits for a low cost. Depending on your age and health, you can often get $500,000 in coverage for less than a dollar a day.
Term policies are perfect for young families on a budget because they offer large benefits for a low price.

Paying Off Large Debts

One of the main reasons for buying life insurance is to pay off outstanding debts so your loved ones aren’t burdened with the expense after you die.
A majority of debts that families use life insurance to pay are loans, which are designed to be paid off after a set period. For example, a mortgage is typically structured to be paid over 15-30 years.
If you reach the end of that period and pay the loan in full, insurance coverage isn’t as necessary, since you won’t be leaving your family with a large, outstanding bill.

Term insurance allows you to buy coverage that lasts only as long as the repayment period on your debts.

If you die during the term, your death benefit will pay the debt. If you pay it off yourself before you die, your policy ends at the same time as the obligation.
You don’t have to pay extra for permanent coverage if your main priority is protecting your family against debt.

Protecting Savings

If you already have a savings plan in place to cover your future needs (such as replacing your income or paying college tuition for a child), you won’t have as much need for life insurance.
Unfortunately, you still run the risk of dying unexpectedly before you save enough to cover all those costs.
With term insurance, you can buy temporary coverage that lasts until you reach your savings goals. Once you have enough set aside to cover your obligations, you can cancel your policy or allow it to expire.

What Term Life Covers

Life insurance is generally used to cover two types of obligations: immediate and future.
Immediate obligations are the things that need to be paid soon after your death. These include:

  • Funeral costs
  • Medical bills
  • Mortgage balances
  • Personal loans
  • Credit card debt

Future obligations are all the expenses (either planned or unexpected) that you want to pay for after your death. They include:

  • Income replacement
  • Spouse’s retirement
  • Children’s college tuition
  • Emergency savings fund

Here’s a reminder of how important it is to meet these obligations for your family:

You and your family can work together to decide on possible future obligations. After that, you need to figure out what it will take to meet them.

How much coverage do you need?

To decide on the appropriate amount of coverage, you need to answer two questions:

  • How much money do I need?
  • How long do I need coverage?

Here are some tips to help you find the answer to each.

Face Value

As previously discussed, a life insurance policy needs to cover two types of obligations: immediate and future.
Immediate needs are easier to figure out since the process mostly involves adding up all of your existing debt. Deciding on an amount for your future needs takes a little more thought and planning.
For example, if your family depends on your income, your future obligation needs to include a sum large enough to replace your salary for however long it will take for your family to become financially independent. That timeline can vary from family to family.
Also, if you plan on covering an unknown future expense such as college tuition, you need to both identify the expense and predict how much it will cost.
If you’re unsure about any of these things, a life insurance agent or financial planner can help you determine exactly how much coverage you’ll need.
In the meantime, there are simple formulas you can use to give yourself a rough estimate as you shop.
One popular method used by many online insurance calculators is the DIME method. DIME is an acronym which stands for the following:

  • D: Debt
  • I: Income
  • M: Mortgage
  • E: Education

Adding up your total obligations in those four categories will give you the minimum face value you need.
Watch this brief video to see how the death benefit from a life insurance policy can be used to cover your debts.

Here’s a simple example using the DIME method:
A husband and father of two preteen children is the majority wage earner in his family, with a wife who works part-time. He has an annual salary of $80,000.
The family has a remaining mortgage balance of $75,000, $7,500 left on a car loan, and $5,000 in credit card debt.
The wife plans to work full time once the children graduate high school, so he plans to leave five years’ worth of salary to cover the family until that time.
He also wants to leave both children $35,000 each to cover the average cost of four years of in-state tuition at a public university.
After factoring in an average funeral cost of around $7,500, his insurance needs are as follows:

  • Immediate need: $75,000 mortgage + $7,500 car loan + $5,000 credit card + $7,500 funeral costs = $95,000
  • Future need: $400,000 income replacement + $70,000 college fund = $470,000
  • Total need: $565,500

That total means he should buy a life insurance policy with a face value of around $600,000.

Length of Coverage

At a minimum, your life insurance term should cover the duration of your outstanding financial obligations.
For example, if you have 15 years left on a 30-year mortgage, you need a life insurance policy with a term of at least 15 years.
If you’ve determined that it will take 10 years to save for a future obligation such as a retirement fund or a child’s college tuition, you should choose at least a 10-year policy.
The simplest thing to do is pick your longest financial obligation and choose a term length to match, along with a face value to cover it and all of the shorter obligations within that time frame.
In the example above, that would mean choosing a 15-year term since the mortgage obligation will outlast the savings period.

Types of Term Life

All term life insurance follows the basic model of providing coverage for a set period of time. Within that general category, there are several variations:

  • Level
  • Increasing
  • Decreasing
  • Renewable
  • Convertible

Each differs as follows.

Level

A level term policy is the most basic type of term insurance. The premiums never increase, and the amount of the death benefit remains the same throughout the entire term.
Term policies are typically sold with terms of five to 30 years, in five-year increments.
Some companies do offer single-year policies that renew annually. They’re technically level policies since the premium remains the same throughout the term. However, since each term is only one year, you may see annual rate increases.

Increasing

For an increasing term policy, the death benefit increases each year you have the policy at a fixed percentage, usually between 2-10 percent. As the death benefit goes up, so will your premium.
For example, a $250,000 policy might increase by 10 percent every year as follows.

  • Year 1: $250,000
  • Year 2: $250,000 + 10 percent = $275,000
  • Year 3: $275,000 + 10 percent = $302,500
  • Year 4: $302,500 + 10 percent = $332,750
  • Year 5: $332,750 + 10 percent = $366,025

This type of policy might not be the best option if you want long-term coverage. As you can see, the benefit (and resulting premium) can grow substantially over a short period.
After 20-30 years, the policy could become cost-prohibitive, especially if your financial situation changes for the worse during that time.

The higher premiums of an increasing term will eventually reduce the overall value of the policy.

The premiums could even increase at a higher rate once the benefit crosses a certain threshold.

Decreasing

Decreasing term insurance is sometimes called mortgage protection insurance. The benefit decreases every year of the term.
Ideally, you’ll be paying down the balance on your large debts (like a mortgage) during your life insurance term. As your debt obligation shrinks, so does the amount of coverage you need.
The premiums don’t decrease with the benefit as you might expect. Instead, decreasing policies offer a much lower premium from the beginning and stay level throughout the term.

Renewable

Renewable term policies allow you to extend or renew your policy for an additional term after the expiration date with no new medical exam.
Some renewable policies automatically renew every year up to a specific age (typically 65). Policies that renew annually usually see premiums increase each year as well.
Other policies automatically renew for your original term length once the first one ends.

Convertible

A convertible term policy lets you convert your temporary coverage into a permanent policy with the same face value at any time during the term, usually without a new medical exam.
Converting from term to whole insurance will increase your premiums (as discussed earlier). Some insurers also place age limits on conversions. Most won’t let you convert after age 65.

Riders

Life insurance policies can be customized with riders that add additional coverages and benefits.
The most common riders for term policies are:

RiderDescription
Accidental death benefitPays a benefit in addition to the death benefit of the policy if the insured dies as a result of qualifying accidental injuries
Terminal illnessGives early access to a percentage of the death benefit if diagnosed by a physician as having 12 months or fewer to live
ChildPays a death benefit to the insured parent upon the death of an eligible child
SpousePays a death benefit to the insured person upon the death of an eligible spouse
Waiver of premiumWaives the policy premiums if the insured becomes completely disabled
Disability incomePays a monthly income of 1 – 2% of the face value if the insured becomes disabled
Guaranteed insurabilityGuarantees you the right to buy additional insurance, without proof of good health, at specified dates in the future
Return of premiumThe insurer will return your premiums at the end of the term, minus the additional cost of the rider
Term conversionAllows you to convert term life insurance into whole life insurance without undergoing a medical exam

Keep in mind that not all riders will be offered by every insurer.

Shopping for Term Life

Because they lack the sometimes-complicated investment component, term policies tend to be simpler to shop for than whole policies. You can even purchase some directly online without ever talking to an agent.
Here is some key information to keep in mind while you shop.

Average Cost of Term Life

As previously discussed, term coverage is among the cheapest form of life insurance. Premiums vary based on risk factors, but for the most part, coverage is very affordable.
Most people can get up to $500,000 worth of coverage for pennies a day.

Factors That Affect Rates

There is no industry-standard price for life insurance. Rates vary from company to company and from person to person.
In the following video, an insurance professional explains how to identify the factors that affect life insurance premiums:

Insurers start with a base premium and then raise it based on risk. Some of the primary factors in determining risk are as follows.

  • Age: Age is one of the most important risk factors. The older you are, the closer you are to death. Every year you wait to buy a policy, it will likely result in a higher premium.
  • Gender: Statistically, women live longer than men. Because of that, women pay lower premiums.
  • Health history: Healthy people generally have a longer life expectancy, which translates to lower premiums. To determine your overall health, insurers may require a complete medical exam and bloodwork.
  • Family medical history: Because many diseases are hereditary, most insurers will also examine the health history of your immediate family.
  • Occupation: Some jobs have a higher risk of accidental death than others. The more dangerous the profession, the more likely an insurer is to pay out an early death benefit, which means higher premiums.
  • High-risk habits: Regular, high-risk habits such as flying, racing, or mountain climbing could result in increased premiums.
  • Tobacco use: The most common high-risk habit that insurers look for is tobacco use. Smokers pay higher rates than their non-smoking counterparts in every demographic.

Once the insurer determines your rate based on these risk factors, it’s typically fixed, meaning that it won’t change for any reason over the life of the policy.
Your choice of payment plan can also affect your rate. For example, some policies also come with a limited pay option which allows you to pay for the policy in full over an initial limited period.
You might pay a higher premium at the beginning of a 20-year policy to pay the full balance in 10 years, then have another 10 years of coverage without a monthly payment.

Sample Rates

To give you an idea of how much a life insurance policy will cost you, here’s a look at the combined average premium of the top 10 insurers by market share for a 20-year, $100,000 term policy for key demographics.

Average Rates of Top 10 Life Insurers by Market Share
DemographicAnnual Premium: MaleAnnual Premium: Female
25-Year-Old Non-Smoker$178.54$160.57
25-Year-Old Smoker$321.76$248.75
35-Year-Old Non-Smoker$165.91$178.54
35-Year-Old Smoker$286.18$321.76
45-Year-Old Non-Smoker$185.04$165.91
45-Year-Old Smoker$360.23$286.18
55-Year-Old Non-Smoker$240.25$185.04
55-Year-Old Smoker$493.20$360.23
65-Year-Old Non-Smoker$267.89$240.25
65-Year-Old Smoker$637.51$493.20
Average Non-Smoker$406.94$267.89
Average Smoker$991.63$637.51

If you’re shopping for a policy with a higher face value, here are some average monthly sample rates for the same insurers. These rates assume that the person is a healthy non-smoker.
Age$100,000: Male$100,000: Female$250,000: Male$250,000: Female$500,000: Male$500,000: Female
25$11.03$10.02$22.10$12.91$23.19$19.04
30$11.12$10.07$15.31$13.02$23.85$19.26
35$11.12$10.07$15.42$13.02$24.07$19.26
40$12.65$11.12$17.94$15.21$29.10$23.63
45$14.57$13.31$21.55$19.69$36.32$32.60
50$18.60$17.20$30.19$27.02$53.60$47.26
55$24.51$20.61$42.88$34.35$78.98$61.91
60$35.88$27.48$71.10$50.86$135.41$94.94
65$51.06$37.76$109.82$75.14$212.85$143.51

The following are the average smoking rates for the same policies.
Age$100,000: Male$100,000: Female$250,000: Male$250,000: Female$500,000: Male$500,000: Female
25$22.32$18.73$37.85$30.96$68.91$55.13
30$22.80$19.08$39.38$31.83$71.98$56.88
35$23.15$19.52$40.58$33.36$74.38$59.94
40$33.95$27.26$65.63$51.30$124.47$95.82
45$42.01$34.66$82.69$66.50$158.60$126.22
50$63.49$52.85$134.10$108.83$261.41$210.88
55$83.53$62.61$182.77$131.36$358.76$255.94
60$139.17$98.14$312.82$216.46$618.85$426.13
65$194.69$122.90$435.86$274.43$864.94$542.07

As you can see, non-smoking rates are significantly lower than smoking rates.

Do rates change over time?

As previously discussed, premiums on term insurance can increase annually, depending on the type of policy you choose.
For the most part, however, they don’t. The most common type of term insurance is level term insurance. Your premiums are guaranteed to stay the same for the entire policy term.
The only time you’re likely to see an increase is if you renew your policy for a new term once the original one expires.

Medical Exams

When applying for term life, insurers will require you to fill out a health questionnaire and may request your medical records. Some will also require a complete medical exam and bloodwork.
The basic life insurance medical exam process looks like this:

  • The customer fills out an insurance application, along with a medical questionnaire.
  • The insurer schedules an in-home medical exam.
  • The medical examiner conducts a brief interview, which includes an overview of your family’s medical history.
  • The examiner measures your height, weight, and vitals, and then takes a urine sample, blood sample, and oral swab.
  • Lab results from the samples are sent to the underwriter for review.
  • The insurer assigns a risk classification and informs the applicant of final premiums.

Watch the following video for some tips on the life insurance medical exam, straight from a top insurer:

Some term life insurance policies advertise the fact that they don’t require a medical exam. Some might see that as a benefit, but it could cost them more over time than the convenience is actually worth.
A young, healthy person might not see much of a difference in rates between an exam and no-exam policy, but older people can expect to pay more.

A no-exam policy is riskier for the insurer. They pass that increased risk along to you in the form of higher premiums.

Depending on your health, taking the exam could show the insurer that you’re a lower risk than they might assume you are with a no-exam policy.

How to Find the Best Provider

Here are some important tips to remember as you shop for a term life insurance policy.

#1 – Buy from a Reputable Company

Make sure the company you’re buying from is reliable.
Start by researching an insurer’s market share. If they have a significant presence in the industry, with a lot of policies in force, then they’re more likely to be an established, respectable company.
If you haven’t heard of them and you can’t find their name on any notable lists, you might want to look elsewhere.
Any of the top-ranking companies would be a good place to start.

Top 20 Life Insurers Insurers by Market Share
RankingCompanyDirect Premiums WrittenMarket Share
1MetLife$10,877,337,0006.7%
2Northwestern Mutual$10,550,806,0006.5%
3New York Life$9,385,843,0005.8%
4Prudential$9,170,883,0005.6%
5Lincoln National$8,825,314,0005.4%
6MassMutual$6,874,972,0004.2%
7Transamerica$4,867,311,0003.0%
8John Hancock$4,657,312,0002.9%
9State Farm$4,636,147,0002.9%
10Securian$4,426,864,0002.7%
11Guardian Life$4,055,519,0002.5%
12Pacific Life$3,770,584,0002.3%
13Nationwide Mutual$3,365,469,0002.1%
14AIG$3,346,570,0002.1%
15AXA$3,097,395,0001.9%
16Voya$2,668,108,0001.6%
17Brighthouse$2,525,047,0001.6%
18Protective Life$2,406,629,0001.5%
19Primerica$2,376,601,0001.5%
20Torchmark$2,367,072,0001.5%

From there, read reviews of the company that focus on policy offerings, financial stability, and reputation. You can also do your own research in those areas by using the following resources.

#2 – Compare Policies

Once you have a list of reputable companies, compare the policy offerings of each to find the one that suits you best. It’s important to make sure you compare policies of the same type.
For example, a level term policy has different benefits and drawbacks than an increasing term policy with the same face value. The same is true of an increasing term policy versus a decreasing term and a renewable versus a convertible.
Always compare apples to apples.

#3 – Get Quotes

Quotes are an easy way to compare prices between companies and policies. Quotes are available online through convenient quote tools or local insurance agents.
Try to find the policy with the greatest benefit for the lowest annual cost.

How to Get a Quote

There are two main ways to get quotes: online or through an agent.

Online

Whole life insurance has a lot of variations and more factors that influence its premiums. Because of that, insurers rarely give out quotes for them online. You have to meet with an agent to find out how much a policy will cost.
On the other hand, term quotes are widely available.
Many insurers have quote tools on their website.
Haven Life online quote step 2
You simply choose your desired coverage, enter some basic personal information, and the tool will return an estimated cost.
Haven Life online quote step 3
There are also independent quote tools (like the ones on this site), which can give you quotes from multiple insurers at once, allowing you to compare prices quickly and easily without having to jump around between multiple webpages.
Some insurers also sell direct term policies. After getting your quote, you can immediately apply for the policy online without ever having to talk to an agent.

Agents

A majority of life insurance policies are sold through agents, even if the insurer provides online quotes. Insurance agents fall into one of two categories: independent agents or captive agents.
An independent agent is free to shop and sell policies from multiple agencies to find the best policy for their clients.
A captive agent works for a single insurer and will only market and sell their employer’s policies. They more closely resemble customer service reps than actual insurance brokers.
One is not necessarily better than the other.

If you want to compare costs and policies across multiple insurers, you will need to find an independent agent.

If you’ve already done the homework yourself and have decided on a specific insurer, the captive agent can help you choose the right policy and tailor it to your financial needs.
Most insurers have an agent finder tool on their websites.
Foresters online agent finder
You enter some basic personal information, location, and type of coverage you want, and agents will contact you to discuss your options.
Keep in mind that not all companies make it clear whether they are connecting you to a captive agent or an independent one.
If you know that you want to compare multiple policies from multiple providers, you might be better off searching for an independent life insurance agency on your own, rather than being referred to an unknown agent by an insurer.

Changing Your Policy

If your financial situation changes during the life of your policy, you can sometimes alter your coverage to match it.

Converting Term Life

There may come a time when you decide you need permanent coverage rather than temporary. A permanent policy could be beneficial for the following situations.

  • Estate planning: If you’re leaving behind a large estate, your heirs might be faced with a large tax bill. The current maximum estate tax rates are nearly 40 percent. Proceeds from life insurance policies are typically tax-free. Your beneficiaries can use the death benefit from a whole policy to pay the taxes.
  • Asset protection: If you need to protect your assets against liens and creditors, the proceeds from a life insurance policy are generally considered to be uncollectible assets.
  • Establishing long-term care: If you’re the primary caregiver for a spouse or loved one with special care needs, the proceeds from a whole life policy can be used to ensure they get the care they need long after you’re gone.

Many term life plans can be converted to whole life plans. Some can be converted at any point, while others only let you convert during a certain period, such as within the first 10 years.
Like renewals, most insurers place an age limit on conversions. Many won’t let you convert after age 65.

Renewing Term Life

You can renew many term insurance policies for additional terms once the original expires. Some will let you do so without taking a new medical exam.
Keep in mind that every time you renew the policy, you’ll likely get charged a higher premium than your initial term. Since you’re starting a new term at an older age, the insurer will charge you for the added risk.
Some insurers sell policies that renew at a guaranteed fixed rate, but those policies usually come with higher premiums from the beginning.
Just like conversions, most plans place an age limit on renewals.

Changing Your Death Benefit

A change in your financial situation might necessitate a change in your life insurance policy’s face value. For example, you might need an increased benefit to cover the mortgage on a new house or the future needs of a new child.
Some policies allow you to increase your coverage during a certain time period, while others let you change at any time. If you think you might need additional coverage, it’s better to do it early.
Remember, premiums increase with age. The longer you wait to increase your face value, the more expensive it will be.

Pros & Cons

Term life comes with benefits and drawbacks. Here are some of the biggest to consider.

Pros

  • Simpler
  • Cheaper
  • No investment risk
  • Online quotes easily available
  • Can sometimes be purchased directly online
  • No-exam options

Cons

  • Not very flexible
  • Coverage expires
  • No potential for cash growth

If you’re looking for cheap, temporary coverage, the pros outweigh the cons.

The Bottom Line

Term life insurance is one of the simplest forms of life insurance. It offers the largest death benefit for the lowest cost. It’s the type recommended for most families.
Term insurance is also the easiest to buy. It only takes a few minutes to get quotes, compare prices, and schedule appointments with many of the top providers. Some will even sell you a direct policy just as quickly.

Policy FeatureTerm Life
Death benefitCan be level, increasing, or decreasing
PremiumLevel (with the exception of an increasing term policy); paid monthly or annually for the life of the term
CostLess expensive
Length of coverageSet term, usually 1-30 years
Cash valueNone
DividendsNot eligible
Policy loansNone

Regardless of your budget, there’s a policy that can provide your family with protection against financial hardship in the event of your unexpected death.
If you have loved ones who depend on you, you owe it to them to explore your many term life options.
Start comparing life insurance rates now by using our FREE quote tool below.

Tim Bain

Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites. You can find him on Twitter.

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