What is term life insurance?
Term life insurance provides a death benefit if the insured dies while the policy is in force during the selected term, subject to the policy’s provisions. If the term ends without a covered claim, the policy generally ends without a payout unless renewal or conversion options apply.
Choosing a term length
Think about when major financial obligations may decline: a mortgage payoff date, children reaching adulthood, or a planned retirement. Available term lengths and renewal or conversion options differ by policy and insurer.
What affects life insurance pricing?
Premiums may depend on age, health history, tobacco use, coverage amount, term length, and other underwriting factors. A quote is not a guarantee that a policy will be issued at the displayed rate.
Compare more than the monthly premium
Look at the insurer, death benefit, term length, exclusions, conversion or renewal provisions, and whether premiums are level. Read the policy and carrier disclosures before purchasing.
Frequently asked questions
Does term life insurance build cash value?
Most traditional term life policies do not accumulate cash value.
What happens when my term ends?
Coverage generally ends unless your policy provides and you use a renewal or conversion option. Renewed coverage may cost more.
Can I apply online in Texas?
You can start a quote and application online through Ethos. Availability and underwriting vary by applicant and insurer.
Explore your options online
Review available coverage through the Ethos application experience, at your convenience.
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