Term Life Express
Protect the Home and Life You Built.
Cost-effective term life insurance designed to cover what matters most — your mortgage, your family's lifestyle, your peace of mind. Choose 10, 15, 20, or 30 years of level coverage. Simplified underwriting means fast approval without a lengthy health inquiry.
▸ Enter the Acceptance Portal| Term | Face Amount by Age | Premiums | Best For |
|---|---|---|---|
| 10-Year | $25K–$550K (18-50) $25K–$450K (51-60) $25K–$350K (61-75) | Level for 10 years | Short-term debt, young children |
| 15-Year | Same ranges | Level for 15 years | Mortgage gap, college years |
| 20-Year | Same ranges | Level for 20 years | Full mortgage coverage |
| 30-Year | Same ranges | Level for 30 years | Max protection window |
Mortgage Protection
Death benefit can pay off your home loan entirely. Your family keeps the house without the payment. The most common use — and the most important.
Residential Damage Waiver
If your primary residence sustains $25,000 or more in damage, premiums for the base policy and all riders are waived for six months. Included
Unemployment Waiver
If you experience qualifying unemployment, premiums are waived for six months. Your coverage stays in force while you get back on your feet. Included
Common Carrier Benefit
If you die in an accident as a fare-paying passenger on a common carrier (plane, train, bus), an additional death benefit equal to 100% of face amount or $250K (whichever is less) is paid. Included
Terminal Illness Included
If diagnosed with a terminal illness (12 months or less), you can access up to 80% of your death benefit early — use it for medical costs, time with family, or anything that matters.
Chronic Illness Included
If you're unable to perform 2 of 6 Activities of Daily Living for 90 consecutive days, or require supervision due to severe cognitive impairment, you can accelerate a portion of your death benefit.
Critical Illness Included
Covers life-threatening cancer, heart attack, stroke, major organ failure, ALS, kidney failure, Alzheimer's/dementia, and more. Access funds when you need them most.
Disability Income Rider Optional
Provides monthly income if you become disabled and can't work. Helps cover mortgage payments and living expenses during recovery.
Disability Waiver of Premium Optional
Waives your policy premiums if you become disabled. Your coverage stays in force at no cost during the disability period.
Accidental Death Benefit Optional
Pays an additional death benefit if death results from accidental injury. Extra layer of protection on top of your base term coverage.
Dependent Children's Coverage Optional
Provides term coverage for your children under the same policy. Simple way to ensure the whole family is protected.
No obligation. No spam. Just a conversation about what fits.