How does term life insurance work?

Term life insurance can be a good choice for anyone who wants affordable coverage with the option to transition to a permanent policy in the future. Term policies can last anywhere from 5 to 30 years, and you might even be able to get a policy through your employer at a lower group rate.

How much term life insurance do you need?

The right amount of protection for you depends on where you are in life, who depends on you, and your earning power. In general, the younger you are, the more years of income you need to consider. Get an instant quote and find out if term life insurance is the right option for you.

Term life insurance vs. whole life insurance: which is better?

With term life insurance, the insurance protection lasts for a set period — typically 10 to 30 years. It is the more affordable option. Whole life insurance lasts for your entire life, provided you make premium payments. The policy has an extra component called cash value, that can build up a significant, tax-deferred asset, money that can be used during your lifetime.1, 2

Term life insurance coverage options

The term periods we offer are 10, 15, 20 or 30 years. When the term is up, so is your coverage. During that period, your beneficiaries are protected for the amount you purchased.

It’s an affordable and predictable choice. Typically, term life premiums (the monthly cost for the insurance) are “level,” which means they stay the same for the length of the term. 

Term life insurance benefits

Whether you decide to get term insurance, purchase lifetime protection with permanent insurance or combine the two for customized protection – taking the time to understand the unique benefits of each is the first step toward a confident future. 

Life insurance is reassurance that you can live life to the fullest knowing your family will be financially secure if you pass away. ​

Term life insurance quote

You can afford life insurance. Get an instant quote and find out if term life insurance is the right option for you.

How to find the best term life insurance company

When you’re looking for long-term security, it’s important to choose providers and financial professionals you trust. Look for a life insurance company that shares your values and has the longevity to prove they’ll be there when you need them.

Term life insurance FAQs

Want some help figuring out the right insurance policy for you?

Connect with local financial representatives who can help you figure that out.

Are you an employee? Employees, contact your employer

Are you an employer? Employers, talk to your broker.

Are you a broker? Offer your clients a disability insurance program.



Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation.


Dividends are not guaranteed. They are declared annually by Guardian’s Board of Directors.


All life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company.