Dallas-Fort Worth
Term Life Insurance
Straightforward coverage for a set period — the most affordable option for most DFW families.
What is term life insurance?
Term life insurance covers you for a specific period — 10, 15, 20, or 30 years. If you pass away during that term, your beneficiaries receive the death benefit tax-free. Premiums are fixed for the entire term. It is the most affordable type of life insurance, which makes it the right starting point for most North Texas families.
Key benefits
- Lowest monthly premiums of any life insurance type
- Rate locked in at the time of application — it never increases
- Flexible terms: 10, 15, 20, or 30 years
- Coverage from $100,000 to $2 million+
- Most policies are convertible to permanent coverage without a new medical exam
Who this is right for
Parents with young children, homeowners carrying a mortgage, anyone who needs the maximum death benefit at the lowest monthly cost.
When to look elsewhere
If you need coverage that does not expire, want to build cash value, or are using life insurance as part of an estate plan, term is the wrong tool.
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Not sure this is the right fit?
Read our guides or compare your options across all coverage types.