Indexed Universal Life Insurance
A+ RATED CARRIERS – NO EXAM REQUIRED
Why Term Life Insurance?
Rates Locked In — Never IncreaseYour premium stays the same for the entire 10, 20, or 30-year term. No surprises.
Up to $2M in CoverageGet the protection your family needs at rates that often beat competitors by 20-30%.
A+ Rated, 100+ Year Track RecordBacked by carriers with over a century of financial strength and stability.
Compare Term Life Insurance Rates
Rates shown are estimates. Your actual rate may vary based on location and coverage.
How Much Does Term Life Insurance Cost?
By Age (Male, Non-Smoker, $500K 20-Year)
By Coverage Amount (35-Year-Old Male)
Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.
Best Term Life Insurance Companies
SBLI
Over 100 years of financial strength. A+ rated by A.M. Best with some of the lowest term life rates available.
Ethos
Instant decisions for most applicants. Coverage up to $2M with no medical exam. Simple 10-minute online application.
Ladder
Adjust coverage up or down as your needs change. No hidden fees and instant decisions for qualified applicants.
WHAT OUR CUSTOMERS SAY
“Locked in $500K for 20 years at $22/month. That’s less than my Netflix and Spotify combined. My family is protected.”
Robert L. — 30-year-old, non-smoker
“Compared three carriers and saved over $1,200 over the life of my policy. The 20-year term was the sweet spot.”
Amanda S. — $750K coverage
Frequently Asked Questions
What’s the difference between landlord insurance and homeowners insurance? Landlord insurance (DP3) is specifically designed for rental properties. It includes coverage for lost rental income and protects against tenant-related risks that homeowners policies don’t cover.
How much does landlord insurance cost? Landlord insurance typically costs 15-25% more than a standard homeowners policy due to increased rental risks. The national average is around $1,516 per year, or $67-$127 per month depending on location, property type, and coverage level.
Do I need landlord insurance if my tenant has renters insurance? Yes. Renters insurance only covers your tenant’s personal belongings. As the property owner, you need landlord insurance to protect the building structure, your liability, and lost rental income.
What factors affect landlord insurance rates? Key factors include property location (high-crime or disaster-prone areas cost more), property type (multi-unit costs more than single-family), property value, tenant type, claims history, and the coverage limits you choose.
Can I get landlord insurance without a property inspection? Yes. Many insurers rely on publicly available data and your application details to issue a policy. However, high-value properties or high coverage limits may require an inspection.
Does landlord insurance cover tenant damage? Landlord insurance covers accidental damage from covered perils like fire or water. It typically does not cover intentional tenant damage unless you purchase additional coverage. Security deposits and tenant screening help mitigate this risk.
Is landlord insurance tax deductible?
Yes. Landlord insurance premiums are generally tax-deductible as a business expense for rental property owners. Consult a tax professional for your specific situation.
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