Speak to a Licensed Life Insurance Agent


Speak to a Licensed Life Insurance Agent


Speak to a Licensed Life Insurance Agent

Learn more about term life insurance.

Term Life Insurance

Term life insurance is one of the most common types of life insurance due to its flexibility and affordability. This traditional life insurance is an easy way to protect your family’s financial security if something were to happen to you, and you only have to buy it for as long as you need it. Term length options typically range from 10 years to 30 years, but your licensed insurance agent can make sure your coverage fits both your needs and budget.

Why term life insurance?

Term life insurance is an inexpensive way to gain peace of mind that your loved ones aren’t burdened with financial hardships if something were to happen to you. The main benefits of term life insurance include:


Term life insurance is considered one of the most affordable traditional life insurance options. The cost of term life insurance is unique to each policyholder and determined by factors such as term length, coverage amount, age, gender, health and lifestyle.

Fixed Premiums

Many term life insurance policies have guaranteed level premiums, meaning you’ll pay the same premium for the entirety of your policy length.

Flexible Payment Options

With a term life insurance policy, you have the option to pay a monthly, quarterly, semi-annual or annual premium for the length of your term. You can often get a discount for paying annually.


If you were to pass away while your policy is active, your beneficiaries will receive the benefit for the full amount of your policy, and typically these proceeds are tax-free. If taken in installments, however, potential interest could be taxable.

Multiple Term Lengths

Term length options can range anywhere from 10 years to 30 years, but the length of your policy should fit both your needs and budget. A licensed insurance agent can help you determine what’s right for your situation.

No Medical Exam Life Insurance Options

To get traditional term life insurance, you are required to complete a 30-minute physical to better determine your health and risk. Although the actual physical is quick and easy, the process following can take anywhere from 4-8 weeks after you first speak with an agent.

Whether you have health concerns, have been denied coverage in the past or are just hoping to avoid the exam, there are a number of life insurance policies that do not require a medical exam as part of the application process. Learn more about your options for no medical exam life insurance.

Learn more about your insurance options today.

Find the right type of insurance for you and your loved ones today.

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Policies issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. AGL is responsible for financial obligations of insurance products and is a wholly owned subsidiary of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by AGL. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state.

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