Term Life Insurance
Simple. Affordable. Powerful Protection for the People You Love Most.
Term life insurance is one of the most effective ways to protect your family’s financial future. It provides coverage for a specific period of time—typically 10, 20, or 30 years—and pays a tax-free benefit to your loved ones if you pass away during that term.
At My Family Protected, our goal is simple: help families secure coverage that brings peace of mind today and stability for tomorrow.
How Term Life Insurance Works
Choose your coverage amount and term length
Lock in fixed monthly payments for the entire term
Your beneficiaries receive a tax-free payout, often within days, if you pass away during the term
No market risk. No confusion. Just dependable protection when it matters most.
Why Families Choose Term Life Insurance
Term life insurance is designed to protect what matters most—your family’s home, income, and future.
It can help your loved ones:
Cover funeral and final expenses
Keep up with mortgage or rent payments
Maintain their lifestyle without financial stress
It’s protection during the years your family needs it most.
Who Is Term Life Insurance Right For?
Term life insurance may be a great fit if you:
Have children or dependents
Own a home or carry debt
Want affordable coverage with predictable payments
Are focused on protecting your family during your working years
Many families choose term life because it offers higher coverage at a lower cost, especially when purchased earlier in life.
Affordable Coverage—Without Cutting Corners
Term life insurance is often much more affordable than people expect. Your rate is based on your age and health at the time you apply, and once approved, your payment stays the same. At My Family Protected, we work with multiple A and A+ rated carriers, allowing us to shop the market and find the best option for your situation—not just push one company’s policy.
Term Life FAQs
How long does a term life policy last?
Most term policies are available in 10, 15, 20, or 30-year terms, depending on how long you want coverage.
What happens when my term ends?
When your term expires, coverage ends. Some policies offer renewal or conversion options, depending on the carrier.
Is term life insurance expensive?
Term life insurance is typically the most affordable form of life insurance, especially when purchased at a younger age.
Can I get coverage if I have health issues?
Potentially, yes. Health affects pricing, but many carriers offer flexible underwriting options. We help find solutions—even for those with past or current health concerns.
Is the benefit taxable?
In most cases, life insurance benefits are paid tax-free to your beneficiaries.
How quickly are claims paid?
We use only A-rated carriers and benefits are paid within 24–48 hours once a claim is approved.