Affordable protection for the years that matter most — income years, mortgage years, kid-raising years.
Term life insurance gives your family a large death benefit for a set period — often 10, 20, or 30 years — at a budget-friendly premium. If something happens to you during the term, your loved ones receive a tax-free payout to replace your income, cover the mortgage, and keep their footing.
The rate you lock in today is the rate you keep for the length of your term. It is the simplest, most affordable way to cover your biggest financial responsibilities.
Young families, new homeowners, and working parents who want the most coverage per dollar while incomes and obligations are at their peak.
Apply in minutes. Coverage begins after approval and first payment.
Get a quote and apply with a licensed agent in one quick call.
Free, no-pressure virtual appointment on your schedule.
Request a free info kit and apply from home, at your own pace.
A common starting point is 10–12x your annual income, plus any mortgage and future costs like college. A licensed agent can build a number around your real situation in a few minutes.
Many policies can be renewed or converted to permanent coverage. We’ll flag your options well before the term is up.
Many of our plans use a simple yes/no health application with no medical exam. Some coverage amounts may require additional questions, and a licensed agent will tell you exactly what applies to you.
Once your application is approved and your first payment is made, coverage can begin right away. A licensed agent walks you through every step.
Answer a few quick questions and a licensed United Trust Life agent follows up — usually within one business day. No pressure, ever.
A licensed agent will reach out shortly. Want to grab a time now? Meet Justin →