Term Life Insurance: Complete 2026 Guide

Start with the term decision you need to make

Term coverage can protect income, debts or another need for a defined period. Start with the amount and years you need, then compare the final premium and policy options.

For a job transition, review employer life portability, conversion and individual term options before any continuation window closes.

If a policy is approaching its end date, compare renewing, replacing or converting term life using its renewal schedule and conversion deadline.

• Buying ordinary coverage: compare term quotes for your amount, age and term length.
• Health or medication questions: use our build and health worksheet or no-exam comparison after 50.
• Replacing or converting coverage: compare named conversion options and when conversion may fit. Check your own deadline before replacing a policy.

Discuss an existing offer or conversion choice. Browse the directory below for a specific situation.

Product Comparisons

Term Decisions

Compare coverage for your situation

General educational information cannot account for every insurer’s underwriting rules. A personalized comparison can help you evaluate available coverage, pricing, and policy features.

Availability, eligibility, and pricing vary by state, insurer, age, health, occupation, and policy design.