Term Life Insurance
Protects What Matters The Most
Looking for simple, affordable and flexible life insurance coverage? Our term life insurance plans are designed to protect your family financially for a set period that is for 10, 20 or even 30 years. With access to life insurance companies, instant term life insurance quotes and no medical exam term life insurance options we make it easier than ever to secure your loved ones future.
What Is Term Life Insurance
Term life insurance is a simple and very affordable life insurance policy that will provide financial protection for a specific time that is usually 10, 20, or 30 years. If the insured person passes away during this time then their beneficiaries will receive the death benefit.
Our Term Life Insurance Services
#1
Level Term Life Insurance
Level term life insurance is the most popular and reliable option for individuals who want predictable, long-term financial protection at an affordable price. With this plan your premiums and coverage amount remain the same throughout the entire term.
#2
Decreasing Term Life Insurance
Decreasing term life insurance is a smart choice for individuals who want coverage that gradually reduces over time, usually in line with the mortgage, loan or major financial applications. This policy is best for homeowners and those with long-term loans.
#3
Convertible Term life Insurance
Convertible time life insurance offers the perfect planned offer affordability and long-term flexibility. With this policy you begin with low cost coverage but later gain the option to convert your plan into a permanent or whole life insurance policy without undergoing a medical exam.
Why Choose Our Term Life Insurance
Be part of the top term life insurance company to deliver
- Instant life insurance term quotes
- Best term life insurance rates by age
- Convertible term life insurance options
- Term life insurance, no medical exam policies
- Affordable, short-term and long-term coverage
- Guidance on term vs permanent life insurance
Term Life Insurance Rate Chart By Age
Term life insurance rates very depend depending on your age, health and coverage amount. We provide a complete term life insurance rate chart by 8 to help you understand the pricing before you buy. Younger applicants pay less by seniors may see the higher rates. Explore pricing with our termite insurance Calculator to find the most affordable plan.
Term Life Insurance For Seniors
Seniors often need coverage to protect the retirement income, final expenses or debts. We offer
- Senior friendly term policies
- Affordable coverage options
- No exam medical term policies
- Group term life insurance option for retirees
Is Term Life Insurance Worth It?
Absolutely term life insurance is considered the most affordable and straightforward form of coverage. Families, individuals and seniors looking for low-cost protection, term insurance is one of the best choices on the market. And yes, life insurance does not have cash value but that’s why it stays inexpensive and budget friendly.
Get Your Tarn Life Insurance Quote Today
Protecting your family shouldn’t be complicated. Compare the policies, explore the pricing and secure the best coverage in minutes.
- Free consultation
- Affordable rates
- No hidden fees
- Fast approval options
Comprehensive Protection Designed For Every Stage Of Life
At Assurance Guru, we focus on providing coverage that adapts to your lifestyle, financial goals and long term responsibilities. No matter if you are starting a family , purchasing a home, or planning for the future, we provide policies that will align with your priorities. Our team evaluates your needs and guides towards the most beneficial solutions. It will make sure that once we receive support they need it when it matters the most.
Flexible Coverage Options to Fit Every Budget
We understand that affordability plays a very important role in choosing the right plan. That’s why we make sure that every client receives a policy that is designed around their financial comfort. You can personalise your protection level, term duration, benefit amount and option add-ons, giving a complete control over your insurance expenses.
Smart Add Ons Riders to Enhance Your Coverage
Income replacement protection
Family coverage add-ons
Accidental death benefit upgrades
Disability protection riders
Support for Growing Families
Families planning for the future often look for financial security. Assurance Guru provides the guidance and solutions and gives you best term life plans that are specially designed to protect your household throughout major life milestones raising the children, budgeting for college, or managing household expenses. We will help you find the perfect balance of affordability and security.
Fast Approval Designed For Busy Individuals
There are so many applicants who preferred term insurance because of the quick and simple process. With the streamline system you can easily apply online, submit the basic details and receive a decision in a short time. For qualified applicants non-exam options make getting insured even easier, eliminating long periods and complicated paperwork.
Frequently Asked Questions
Life insurance term is a number of years your life insurance policy will protect you. For example at any year term or 20 year term means your policy has lost for that many years.
Term life insurance works by giving your family money if you pass away during the term you choose. You pay a monthly or yearly premiums and as long as the policies are active your families are financially protected.
Term life insurance cover you for a number of years and it is cheaper while whole life insurance covers you for your entire life and it cost you more because it includes lifelong coverage and sometimes with cash value overtime.
Term life insurance means coverage that lasts for a fixed period if you pass away during that time the family gets the money from the policy.