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âSmallâ term life policies are available with under $50,000 in coverage, but policy amounts can go into the millions. Term life is typically sold in lengths of five, 10, 15, 20, 25 and 30 years. âLevel premiumâ term life means youâre locking in a price for the length of the policy. Typically you will pay a monthly or annual premium to keep the insurance in force. âAnnual renewableâ term life is a one-year policy that renews every year for a higher price.
Protecting your loved ones doesn't have to cost a fortune. Term life insurance is coverage that lasts for a limited amount of time, typically 10, 15, 20, 25 or 30 years. During this term, your payments and coverage remain the same. Typically, a term policy is the least expensive life insurance option.