The policies we offer have a maximum term length of 30 years. Depending on your age, you may be able to choose a 10-, 15-, 20-, 25- or 30-year term length prior to purchasing the policy. If you’re approved for coverage, you can change your term length prior to purchasing.

If you are age 45 or younger, you'll be able to choose from all term length options. Ages 46-49 are eligible for up to 25-year term, ages 50-60 are eligible for up to 20-year term, ages 61-65 are eligible for up to 15-year term, and ages 66-70 are eligible for a maximum term length of 10 years.

Your term begins once your policy has been purchased and your first payment has been received.