Term Life Insurance: Complete 2026 Guide

Term life insurance provides straightforward, affordable coverage for a specific period—typically 10, 20, or 30 years. It’s the most popular type of life insurance and the best value for most families.

At Insurance By Heroes, we shop dozens of term life carriers to find you the lowest rate. Our team includes former first responders and military spouses who understand the importance of protecting your family.

If you have questions about your situation, Insurance By Heroes can help compare options across multiple carriers.

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At Insurance By Heroes, we serve everyone. Our team shops dozens of carriers to find your best term life rate.

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Insurance By Heroes is the trade name of Joshua Wahls, a licensed independent insurance producer. Insurance By Heroes is not an insurance company, insurer, or underwriter, and does not issue, guarantee, or pay claims on any insurance policy.

National Producer Number (NPN): 19191959 · Resident state: Maryland, License #3000565052 · California License #4381848 · Principal place of business: 4301 Mountain Road #35, Pasadena, MD 21123. Licensed to sell life insurance in 49 states and Washington, D.C. Not licensed in New York; this website is not directed at residents of New York. A complete list of states and license numbers is available upon request.

Insurance By Heroes is an independent insurance agency and is not affiliated with, endorsed by, or sponsored by any government agency. This website is for general informational and educational purposes only and is not insurance, financial, tax, or legal advice. Products, features, riders, rates, and availability vary by state, insurer, and applicant, and are subject to underwriting. Quotes and estimates are illustrations only, are not an offer of coverage, and do not bind coverage. Guarantees are subject to the claims-paying ability of the issuing insurer.