Full Term Life Insurance at Life

Full Term Life Insurance. Whole life insurance is the most common type of permanent life insurance and costs more than term life. Because there’s no fixed term, your insurance will never expire until you die.

Term life insurance is a type of life insurance that guarantees payment of a death benefit during a specified time period. Features include level premiums and guaranteed death benefits. Term life insurance policies work by paying a benefit to beneficiaries if the insured person dies during the policy term.

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Whole of life insurance (also known as whole life assurance) is a policy that covers you for life. We've found that the average cost of life insurance is about $147 per month for a term life insurance policy lasting 20 years and providing a death benefit of $500,000. The guaranteed death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs — or to leave a legacy for the next generation. Features include level premiums and guaranteed death benefits.