About Term Life Insurance

Term life is usually the least expensive type of insurance. It is an affordable option. You are only paying for the cost of insurance associated with the death benefit and not building cash value. At TermWorks.com we are committed to making it easy and convenient as possible for you to purchase the quality, low-cost term life insurance for you and your family!

• Instantly compare rates from hundreds of term life insurance policies from top rated insurance companies. Our term life quotes online search engine, powered by Compulife, will provide you with the most competitive rates in the country.
• Once you receive your quotes you may request to receive Carrier Specific “Term Life Application Forms Online.” You will also receive policy illustrations and carrier rating information, so you can rest assure you have made the right choice.
• You may also contact us and speak with one of our licensed professionals

Term life insurance covers you for a specified term (from 5 to 30 years, in most cases). If you die within the term, your beneficiary receives the stated death benefit of the policy. For example, say you purchased a $250,000 term life policy for a 20-year period. Whether you die in year two or year nineteen, your beneficiary receives the same amount (i.e., $250,000). If you pass away within the term period, a death benefit is paid to your beneficiary. If you are still living at the end of the term, protection ceases unless the policy is renewed. There is no “accumulation” element, or cash value with term insurance. Some term insurance policies do offer a return of premiums.