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.

f 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.