This Isn't Your Father's Term Policy.
You Can Use This One While You're Alive.
Modern term life comes with living benefits — cash you can access if you get seriously sick, riders that pay your premiums if you're disabled, and options that refund every dollar if you outlive the policy. Maximum coverage, minimum cost.
Coverage from $100,000 to $2,000,000+ — often no medical exam required
Roughly what a healthy 35-year-old
pays for $500,000 in coverage
Living benefits built in — critical,
chronic, and terminal illness protection
Of premiums back with the
Return of Premium option
Here's What Nobody Tells You
Old-school term insurance had one trigger: you die, it pays. Modern term pays when life goes sideways — a heart attack, a cancer diagnosis, a stroke, a disability. The policy works for you, not just for your beneficiaries.
Most Coverage Per Dollar
Term gives you the biggest death benefit for the smallest premium — period. It's how a young family affords $500K–$1M of real protection during the years they need it most: mortgage, kids, college.
Protection While Alive
With living benefit riders, a serious illness lets you accelerate a portion of your own death benefit — cash in your hands for treatment, bills, or time off work. No waiting until it's too late to matter.
Built-In Flexibility
Convert to permanent coverage later without a new health exam, add your kids for pennies, or choose Return of Premium and get every dollar back if you outlive the term. Term is a chess piece, not a dead end.
Life Insurance You Don't Have to Die to Use
These accelerated death benefit riders are included at no extra cost with many modern term policies. If a qualifying event happens, you can access a large portion of your death benefit early — as cash, to use however you want.
Heart Attack, Cancer, Stroke
A qualifying critical illness diagnosis lets you accelerate part of your death benefit while living. Use it for treatment, experimental care, the mortgage, or a bucket-list trip — the carrier doesn't ask.
Can't Perform Daily Activities
If you can no longer perform 2 of 6 activities of daily living (bathing, dressing, eating, etc.), you can draw on your death benefit — like long-term care protection without a separate LTC policy.
12–24 Months Prognosis
A terminal diagnosis unlocks the majority of your death benefit immediately — so you can settle affairs, stop working, and spend your remaining time on what matters, not on money stress.
Benefit amounts, qualifying conditions, and availability vary by carrier and state. Accelerating the death benefit reduces the amount paid to beneficiaries. We'll show you exactly how your carrier's version works before you apply.
Riders: The Options Menu Most Agents Never Explain
A rider is an add-on that customizes your policy. Some cost a few dollars a month, some are free. Here's the full menu — we'll tell you which ones are actually worth it for your situation.
Return of Premium (ROP)
Outlive your term and the carrier refunds 100% of the premiums you paid — a $50/mo policy over 30 years hands you back $18,000, tax-free. Costs more monthly, but turns "wasted" premiums into a forced savings plan.
Best for: people who hate the idea of paying for nothingWaiver of Premium
If you become totally disabled and can't work, the carrier pays your premiums for you — your coverage stays in force while your income is gone. Usually just a few dollars a month. This is the rider people are most grateful for.
Best for: anyone whose family depends on their paycheckConversion Rider
Lets you convert your term policy to permanent (whole life or IUL) later — with NO new medical exam, at your original health rating. Get diagnosed with something at 45? You can still lock in lifetime coverage. This option is priceless and often free.
Best for: everyone — always check the conversion deadlineChild Rider
One low-cost rider (often $5–$7/mo) covers ALL your children — current and future — typically $10,000–$25,000 each. Most versions let each child convert to their own permanent policy as an adult, regardless of health.
Best for: parents — one rider covers every kidAccidental Death Benefit
Pays an additional benefit — often double the face amount — if death results from an accident. Inexpensive because accidents are statistically rare, but meaningful for people in higher-risk jobs or heavy commuters.
Best for: tradespeople, drivers, high-mileage commutersGuaranteed Insurability
Lets you buy MORE coverage at set future dates or life events (marriage, new baby) without proving your health again. Your 30-year-old health rating follows you even if your health doesn't.
Best for: young buyers whose income will growDisability Income Rider
Pays you a monthly income (often 1–2% of the face amount) if you become disabled and can't work. Not a full replacement for disability insurance, but a low-cost income floor bolted onto your life policy.
Best for: self-employed without group disability coverageSpouse / Other Insured Rider
Adds coverage for your spouse under your policy — one policy, one bill, two people protected. Often cheaper than a small standalone policy, and a smart way to cover a stay-at-home parent whose work would cost real money to replace.
Best for: single-income householdsModern Term vs. Old-School Term
If you bought term more than 10 years ago — or through a payroll deduction at work — you probably have the version on the right.
| Feature | Annuity Gal Modern Term | Old-School / Workplace Term |
|---|---|---|
| Living benefits (critical/chronic/terminal) | ✓ Included with most carriers | ✗ Death-only trigger |
| Money back if you outlive it | ✓ Optional Return of Premium | ✗ $0 back, ever |
| Premiums paid if you're disabled | ✓ Waiver of Premium rider | ✗ Miss payments, lose coverage |
| Convert to permanent later, no exam | ✓ Conversion privilege | ✗ Rarely, or short window |
| Follows you if you change jobs | ✓ You own it, fully portable | ✗ Workplace coverage ends at exit |
| Covers your children | ✓ One child rider covers all kids | ✗ Usually not available |
| Medical exam | ✓ Often not required | ✗ Frequently required |
Can I Actually Afford This?
Term is the cheapest life insurance ever built. Most healthy applicants are shocked at how much coverage their budget buys.
Essential Cover
Clears the mortgage and buys your family time to grieve without financial panic.
- Living benefits included
- 10–30 year terms available
- Level premium, locked in
- Conversion privilege
Family Shield
The sweet spot for most families — replaces income for years, not months.
- Everything in Essential
- Waiver of Premium recommended
- Child rider covers all kids
- Often ~$1/day for healthy 30s
Full Income Protection
The 10x-income rule for primary earners, business owners, and high-income households.
- Everything in Family Shield
- Return of Premium available
- Spouse rider options
- Business/key-person structuring
Questions Everyone Asks
How much coverage do I actually need?
What term length should I pick?
Is Return of Premium worth the extra cost?
Do living benefits cost extra?
What if my health isn't perfect?
I have coverage through work. Isn't that enough?
Real People. Real Results.
I was diagnosed with stage 2 breast cancer at 44. My living benefits rider paid out enough to cover my deductibles and let my husband take unpaid leave to drive me to treatment. I always thought life insurance was for after you die. I was wrong.
Two kids, a mortgage, and I was paying $61 a month for barely $100K through work. Got $750K with living benefits and a child rider for less than that. Took one phone call. I honestly don't know why I put it off for three years.
Find Out What Your Rate Actually Is
It takes 10 minutes. No pressure. No jargon. We'll shop your age and health across top-rated carriers, explain which riders are worth it for YOUR situation — and which are a waste of money — then you decide.
Call or Text for Your Free Quote
Speak directly with a licensed advisor. No forms, no waiting, no pressure.
📞 (980) 875-7424Licensed advisor · No obligation · Most quotes take under 10 minutes