Term Life Insurance
Affordable, straightforward coverage for your family's financial security. Perfect for young families and mortgage protection.
Understanding Term Life Insurance
Watch this short video to learn how term life insurance provides affordable protection for your family during your working years.
Key Advantages of Term Life Insurance
A healthy 30-year-old can get $500,000 of coverage for as little as $20-30/month. Term life offers maximum protection at minimum cost, making it the most popular choice for families.
Maximum Coverage, Minimum Cost
Get 10-20 times more coverage than whole life for the same premium. Perfect for families who need substantial protection on a budget.
Simple & Straightforward
No complicated investment features or cash value calculations. You pay premiums, and if you die during the term, your family gets the death benefit.
Flexible Term Lengths
Choose from 10, 15, 20, 25, 30, or even 40-year terms to match your needs. Available term lengths depend on your age at application -- younger applicants have access to longer terms.
Conversion Options
Many policies allow you to convert to permanent insurance later without a medical exam, giving you flexibility as your needs change.
Guaranteed Level Premiums
Your premium is locked in for the entire term -- whether that's 10 years or 40. The rate you start with is the rate you keep for the full duration of your policy.
Tax-Free Death Benefit
Your beneficiaries receive the full death benefit completely tax-free, giving your family the maximum financial protection when they need it most.
Who Should Consider Term Life Insurance?
Young Families
Protect your spouse and children with affordable coverage during your peak earning years. Ensure they can maintain their lifestyle, pay for education, and cover daily expenses if you're gone.
Mortgage Protection
Match your coverage to your mortgage balance and term. If something happens to you, your family can pay off the house and stay in their home without financial stress.
Income Replacement
Replace 10-20 years of income so your family can maintain their standard of living, pay bills, and achieve financial goals even without your paycheck.
Business Protection
Cover business loans, fund buy-sell agreements, or protect key employees. Term life provides affordable coverage for business continuity needs.
Get Your Free Term Life Insurance Quote
Answer a few simple questions and our licensed advisors will prepare a custom quote from top-rated carriers -- tailored to your needs, your budget, and your family.
100% free and confidential. We'll prepare personalized options for you.
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What Our Clients Say
Based on real client experiences, dramatized for privacy.
"We just bought our first home and had a baby on the way. Landau helped us get a 30-year term policy that covers our mortgage and then some."
Jessica & Mark P.
30-year term policyholders
"I wanted something simple -- just enough to protect my kids until they're grown. Landau didn't try to upsell me. They found the right fit and it took less than a week."
Anthony R.
20-year term policyholder
"After comparing on my own for weeks, I called Landau. In one conversation they explained the differences between carriers and found a rate lower than anything I'd found online."
Michelle S.
Switched from online quote to Landau
"My husband passed unexpectedly last year. The term life policy Landau helped us get paid out quickly and without hassle. I'm so grateful we planned ahead."
Patricia W.
Beneficiary of a Landau-placed policy
How Term Life Insurance Works
Choose Your Term & Coverage
Select a term length (10 to 40 years, depending on your age) and coverage amount based on your income, debts, and family's needs. We'll help you find the right balance of protection and affordability.
Apply & Get Approved
Complete a simple application and, in most cases, a brief medical exam. Some policies offer no-exam options for faster approval. We compare carriers to find you the best rates.
Pay Fixed Premiums
Your premium is locked in for the entire term and never increases. Pay monthly, quarterly, or annually -- whatever fits your budget.
Your Family is Protected
If you pass away during the term, your beneficiaries receive a tax-free lump sum payment. They can use it to replace income, pay off the mortgage, fund education, or cover any expenses.
Frequently Asked Questions
Explore More on Life Insurance
Deepen your understanding with our expert-led podcast episodes and educational video library.
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Listen to expert discussions on life insurance planning, coverage strategies, and protecting your family's financial future.
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Watch & Learn
Watch educational videos on term life insurance, coverage calculators, and expert advice from our licensed advisors.
Watch VideosGet Your Free Term Life Insurance Buyer's Guide
Our comprehensive guide covers how to calculate the right coverage amount, compare term lengths, and find the best rates for your family's protection.
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Complete Your Protection
Planning for the long term? Consider adding Long-Term Care coverage to protect your assets.
Whole Life Insurance
Lifelong protection with cash value accumulation for wealth building and estate planning.
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Protect your income if you're unable to work due to illness or injury.
Learn MoreLong-Term Care Insurance
Protect your assets and ensure quality care when you need it most with comprehensive LTC coverage.
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