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How much a 10-year term can cost

Example monthly premiums for a healthy 40-year-old male and female. Ranging for $20K to $1.5M in coverage, Departure Plan can provide as much life insurance coverage as you need at an affordable rate. 10 year life insurance premiums can cost as little as $26 a month for a $500,000 term policy depending on health, age, and several other factors.

How much a 20-year term can cost

Example 20-year monthly premiums for a healthy 40-year-old male and female. Ranging for $100K to $1.5M in coverage, Departure Plan can provide as much life insurance coverage as you need at an affordable rate. 20-year life insurance premiums can cost as little as $39 a month for $500,000 in coverage depending on health, age, and several other factors.

Fast, easy, free application

Our straightforward online application can be completed in minutes—without confusing paperwork or phone calls with sales agents.

Affordable, personalized coverage

We offer a wide variety of coverage options to fit your budget and give you the coverage you actually need.

Honest advice, non-pushy agents

You don’t need to talk to an agent – unless you want to. Our agents are experts in finding you the coverage that best suits your family’s needs.

Life insurance protects the ones you love most

Your life insurance policy secures your family’s financial future and can help cover living expenses, debt, mortgage payments, education, and more. Enjoy the piece of mind that your family's long-term stability can be secured with the protection of a death benefit from Departure Plan.

Who can benefit from a 10-year term?

A 10-year term life policy can be a great option because it’s a seriously affordable way to protect your family for 10 years. When it comes to choosing your term length, a 10-year term might be perfect for you if:

  • You have pre-teen children. If you have children who are around middle school age, a 10-year term life insurance policy can provide coverage through their college years and last until they are no longer dependents.
  • You’re close to retirement. If you’re planning on retiring within the decade, a 10-year term policy can give you extra peace of mind while you’re still working. Your coverage could be used by your loved ones to replace your income should the unexpected happen.
  • You’re close to financial independence. If you’re close to paying off your home mortgage or other debt, a 10-year term may be just the coverage you need when you’re in the final stretch of becoming financially independent.

Who can benefit from a 20-year term?

A 20-year term life policy can be a solid option for many people because it’s an affordable way to protect your family for a longer period of time. When it comes to choosing your term length, a 20-year term might be perfect for you if:

  • You have young children. If your children are young, a 20-year term life insurance policy can provide coverage through their college years and last until they are no longer dependents.
  • You have debt. If you’re paying off a mortgage or carry debt, this term might be perfect for you. Should the unexpected happen, your plan can help cover the rest of your mortgage and shield your family from steep mortgage payments.
  • You plan on retiring in 20 years. Consider how long until you retire. If you plan on retiring within the next 20 years, this term can give you extra peace of mind while you’re still working and set your family up with financial security.

Who can benefit from a 30-year term?

A 30-year term life policy can be a solid option for many people because it locks in your coverage at an affordable rate to protect your family for a longer period of time. When it comes to choosing your term length, a 30-year term might be perfect for you if:

  • You have young children. If your children are young, a 30-year term life insurance policy can provide coverage through their college years and last until they are no longer dependents.
  • You have debt. If you’re paying off a mortgage or carry debt, this term might be perfect for you. Should the unexpected happen, your plan can help cover the rest of your mortgage and shield your family from steep mortgage payments.
  • You plan on retiring in 30 years. Consider how long until you retire. If you plan on retiring within the next 30 years, this term can give you extra peace of mind while you’re still working and set your family up with financial security.

Why thousands of Americans choose Departure Plan

Departure Plan makes it easy to apply for life insurance that’s tailored to your budget and coverage needs. Customers choose Departure Plan because we offer affordable rates and help you find the right coverage for you. With Departure Plan, you don’t need to talk to any agents to apply but if you need, our team of licensed agents is ready to help you with anything.

HOW IT WORKS

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FAQ

Commonly Asked questions

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How to expedite your application

When you apply

Answer each question with as much detail and accuracy as possible. And be sure to have the following information handy:

  • Driver's license
  • Social security number (to verify your identity)
  • Personal and family medical history
  • Current prescription information

After you apply

If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.

Receive a free, personalized quote instantly

See estimated prices for Term life insurance.