Term Life Insurance
How it Works
Term life insurance is the most straightforward form of protection. You generally pay premiums on a monthly or annual basis and your family is protected for that 'term.' Most common term lengths are 10, 15, 20, 30 years and pay out +$100,000. Surety offers a variety of affordable term life insurance products to fit your needs, time frame, and budget.
- Help provide for a family's loss of income
- Cover short-term debts and needs
- Provide additional insurance protection during the child-raising years
- Provide longer term protection to help your family pay off a mortgage or to help pay for a college education
Term Life Insurance Policies
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Select Term Life Insurance
Select 10, 20, or 30 years of coverage and a guaranteed benefit. Coverage starts at $100,000, and the affordable premiums are level for the initial policy term. Once past the level premium period, premiums will increase annually. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits.
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Return of Premium Life Insurance
Return of Premium Term Life insurance offers you coverage with a level premium payment for 20 or 30 years, whichever you choose. If you outlive that premium period, all policy premiums you've paid will be returned to you. Coverage starts at $100,000. The policy is guaranteed to renew up to age 95 and is convertible to a permanent policy regardless of health, subject to age limits. Once past the level premium period, premiums will increase annually.
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Mortgage Term Life Insurance
Mortgage Life 15 or 30 is designed to provide funds for the repayment of a residential mortgage in the event of premature death. Coverage is available for 15- or 30-year periods. After the first five years, the death benefit, which is meant to behave similar to your mortgage, decreases over the life of the policy. It is sometimes called a 'decreasing term' policy. You choose the amount of coverage ($50,000 minimum) based on your mortgage balance. The policy is convertible to a permanent policy regardless of health, subject to age limits.
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Instant Answer Term Insurance
Instant Answer Term Insurance® provides $50,000 of death benefit protection until age 50 or 10 years, whichever is longer and is designed to provide a base level of life insurance protection at an affordable price. This insurance is well suited for protecting goals such as paying off a loan and/or covering funeral expenses and provides customers with the opportunity to apply for coverage, receive an underwriting decision, and if approved – purchase the policy on the same day at an agent's office.
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Need help choosing a term insurance policy? Compare policies.