Term Life
Affordable coverage for set years
Term Life Insurance That Fits Your Budget & Protects Your Family
Simple. Affordable. Flexible coverage options for every stage of life.
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Types of Life Insurance
What is Term Life Insurance
Term life insurance is the simplest and most affordable type of life insurance. It provides coverage for a set period of time, often 10, 20, or 30 years. If you pass away during that term, your loved ones receive a lump-sum payment (called the death benefit) that can help cover everyday expenses, debts, or future plans.
Why Choose Term Life Insurance?
Protect your family’s future expenses (mortgage, education, daily needs)
Coverage that matches your stage of life
Peace of mind without breaking your budget
Term Life Benefits
Flexible Terms
Pick 10, 20, or 30 years to match your season of life—lock in simple protection for the time you actually need.
Affordable Monthly Premiums
Get more coverage per dollar with steady, predictable payments throughout your chosen term.
Tax‑Free Death Benefit
Your beneficiaries receive a lump sum generally income‑tax free—so support shows up when it matters most.
Easy Online Application
Quote, apply, and e‑sign in minutes. Many applicants receive a quick decision with minimal hassle.
Term Life Coverage Options
Lock in a guaranteed rate and death benefit for a set period. Pick the term that matches your timeline and budget.
10-Year Term
Budget-friendly protection for short horizons.
20-Year Term
The classic pick for mortgages and family income.
30-Year Term
Maximum stability for long-term plans.
Who Benefits from Term Life Insurance?
Term life is simple and affordable: if you die during the term, your family gets cash to keep life on track—income, mortgage, tuition, the whole checklist. Click a tile to see who gets the biggest win.
Young Families & New Parents
Replaces income and funds childcare, groceries, and future tuition.
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- Cover both the earning parent and the stay-at-home parent (unpaid labor has real replacement cost).
- Set coverage to replace 10–15 years of income, then fine-tune for daycare and college goals.
Homeowners & Mortgage Holders
Matches your mortgage, so the house stays the family home.
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- Pick a term that tracks remaining years on the mortgage to prevent a forced sale.
- Use a collateral assignment for a loan rather than naming the lender as beneficiary.
Primary Earners & Debt Protection
Pays off debts and replaces income so goals don’t stall.
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- Quick start: 10–15× income; refine with DIME (Debts, Income, Mortgage, Education).
- “Ladder” 10/20/30-year terms to cover different timelines (kids, loans, milestones) efficiently.
Business Owners & Partners
Cost-effective funding for buy-sell, key person, and loan requirements.
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- Use term life to fund buy-sell agreements or key-person needs during growth years.
- Satisfies lender collateral on SBA or commercial loans; ownership/beneficiary set-up matters.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Not Sure What You Need?
Answer 6 questions and we’ll recommend your best-fit plan.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
-
Choose Term & Coverage
Pick a term length (e.g., 10–30 years) and a coverage amount that fits your budget and goals.
-
Apply & Underwriting
Answer health questions (and an exam if required). We handle the carrier, forms, and follow-ups.
-
Policy In-Force
After approval and first payment, coverage starts. If you pass away during the term, beneficiaries receive the tax-free death benefit.
Note: Term life pays a death benefit if death occurs during the policy term. No cash value. Riders, rates, and state availability vary by insurer. We’ll help you compare.
Ready to Protect Your Loved Ones?
Why Choose OnePoint
Personalized Protection – We take the time to understand your family’s needs and match you with the right coverage.
Independent & Unbiased – We shop multiple top-rated carriers so you get the best value, not a one-size-fits-all plan.
Guidance You Can Trust – Our agents explain your options in plain language and are here for you every step of the way.
Affordable Solutions – Flexible policies designed to protect your loved ones without straining your budget.
Local & Community-Focused – We’re part of the same neighborhoods we serve, so you’re treated like a neighbor, not a number.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
Do I need life insurance if I’m young and healthy?
Yes. Buying early locks in lower premiums and protects your family’s future should the unexpected happen
How much Life Insurance do I need?
We recommend 10–15 times your annual income, but use our calculator to estimate based on debts, dependents, and future plans
What is a life insurance rider?
A rider is an optional add-on that customizes your coverage, such as disability waiver of premium or critical illness protection
How long does it take to get approved?
Approval timelines vary. Some no-exam policies are instant, while others may take 2–6 weeks if underwriting is required
Can I name multiple beneficiaries?
Yes. You can split the death benefit among multiple people or list primary and contingent (backup) beneficiaries
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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