Affordable term life insurance policies & free quotes
Finding the right term life insurance policy shouldn’t be complicated. At SBLI, we make it simple to secure affordable coverage tailored to your needs. With flexible term lengths, guaranteed premiums, and the option to convert to permanent coverage, our policies are designed to provide financial security and peace of mind for you and your loved ones.
Explore SBLI’s term life insurance policies today and get a free quote to find the best coverage for your family’s future.
What is term life insurance?
Term life insurance provides financial protection for your loved ones for a specific period of time, typically ranging from 10 to 30 years. If you pass away during that time, your beneficiaries receive a death benefit to help cover expenses including mortgages, tuition, daily living costs, final expenses or more.
Types of term life insurance:
- Level term life insurance: Fixed premiums and coverage amount for the selected term length.
- Renewable term life insurance: Annual renewal option, with premiums adjusted based on age.
- Convertible term life insurance: Option to convert to a whole or universal life policy without additional underwriting.
How SBLI Term Life Insurance empowers your family’s future
As you consider the best way to safeguard your family’s future, it’s crucial to understand the distinctive advantages offered by SBLI Term Life Insurance. With our commitment to providing affordable and comprehensive coverage, we aim to offer more than just financial protection – we provide peace of mind. Explore the array of benefits that make SBLI Term Life Insurance a trusted choice for families across diverse circumstances and needs:
- Flexible term lengths: Ranging from 10-30 years.
- Accelerated underwriting: If you are between the ages of 18-50 and seeking coverage amount up to $1,000,000, you may qualify for our accelerated underwriting process.
- Maximum death benefit: Our policies offer the highest level of death benefit protection at the lowest cost, ensuring your loved ones are well taken care of.
- Guaranteed rates: Your rates remain unchanged throughout the selected term, providing stability and peace of mind.
- Convertibility: Unlike some term life policies, our coverage allows you to convert all or part of your policy to whole or universal life insurance without additional underwriting, at any point during the level term or up to age 70.
Term life insurance may be right for you if you are:
- Looking to replace lost income due to an untimely death.
- Ensuring that your financial obligations, such as mortgages, tuition, childcare, loans and more, are met.
- Planning to leave a financial safety net for loved ones.
SBLI Term vs. SBLI Simple Term: Which term life insurance policy fits your needs?
SBLI TermA more complete process that may cost less. |
SBLI Simple TermA shorter path to coverage with fast and easy online application. |
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|---|---|---|---|
| Age range | |||
| Age range | 18 – 74 years old | 18 – 55 years old | |
| Medical Exam | |||
| Medical Exam | Some applicants qualify for Accelerated Underwriting with no medical exam. Others may require a medical exam.1 | No medical exam required, just answer some quick questions. | |
| Coverage Amounts | |||
| Coverage Amounts | From $100,000 up to $5 million2 | Up to $1 million for ages 18-50 Up to $500,000 for ages 51-55 |
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| Term Lengths | |||
| Term Lengths | 10 years, 15 years, 20 years, 25 years and 30 years3 | 10, 15, 20 years3 | |
| LegacyShield Included | |||
| LegacyShield Included | LegacyShield subscription included: A powerful digital tool that can help build and protect your legacy.4 | LegacyShield subscription included: A powerful digital tool that can help build and protect your legacy.4 | |
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SBLI Term Life Insurance is right for me. |
I’m considering an SBLI Simple Term Life Insurance policy. |
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Want to explore further? Chat with one of our licensed agents for personalized guidance. |
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Exclusive benefits of SBLI Term Life policy
Preserve your legacy with LegacyShield
Give a legacy of memories with a digital vault.4
Helping our customers take care of the people they love is what we do best. Now, we’re happy to include a subscription to LegacyShield — a powerful digital tool that can help build and protect your legacy.
Already an SBLI policy holder? Register to access LegacyShield through your my.SBLI account today.
Accelerated underwriting for quick life insurance coverage
The fast track to protecting the people you love.
Our Accelerated Underwriting process prioritizes your coverage, ensuring your loved ones are protected quickly and efficiently..
If you’re healthy and between the ages 18-50, you can apply for insurance coverage up to $1 million or less without a medical exam. Insurance amounts above $1 million will be underwritten with a traditional paramedical exam.
SBLI life insurance riders for personalized life insurance policies
Customize your life insurance policy for coverage that’s as unique as you are.
SBLI offers optional riders to tailor your life insurance policy to fit your needs. From Children’s Level Term to Accidental Death Benefit, our riders provide flexibility and additional protection.
Affordable peace of mind.
Term life insurance offers a simple, affordable way to protect your family. Choose your desired coverage amount and term length and relax knowing your loved ones are financially secure. Premiums remain consistent throughout the selected term.
At the end of your term, you can:
- Renew coverage annually up to age 85 (rates will increase each year).
- Convert to a whole life or universal life policy before your term ends or age 70, whichever comes first.
Sample pricing: A 35-year old, non-smoking female could buy a $500,000 / 20 year Term policy for as low as $20.75/month5
Resources: Empower your term life insurance knowledge
Is your employer-provided life insurance coverage enough?
Employer-provided life insurance may not offer enough coverage and often isn’t portable if you leave your job. Explore how supplemental coverage can ensure your family is protected.
Life insurance coverage calculator
Not sure how much coverage you need? Use our calculator to find the right coverage amount for your loved ones.
What our customers are saying
We encourage every customer to let us know how we’re doing through Trustpilot.
Helpful links:
1 SBLI’s Accelerated Underwriting is available on SBLI Level Term Insurance, ages 18-50, for insurance amounts up to $1,000,000 or less. Insurance amounts above $1,000,000 are underwritten with a traditional paramedical exam.
2 Coverage amounts for SBLI Term Life Insurance from $100,000 up to $5 million. Higher amounts may be requested when contacting an agent.
3 Not all term lengths are available to all applicants. The term lengths available to you are determined by your age when you apply.
4 SBLI has partnered with LegacyShield to provide certain products at no cost. Additional LegacyShield products may also be available for purchase. Your relationship or agreements with LegacyShield are separate from your relationship or agreements with SBLI. The kits you may be receiving access to through LegacyShield are not intended to be legal, tax, or investment advice. You should consult your own legal, tax, or investment advisor regarding your personal situation. Products or Services offered under LegacyShield are not insurance and are subject to change. For more information, please contact SBLI at www.sbli.com or via telephone at 800-694-7254. LegacyShield is a subsidiary of SBLI.
5 This rate is for a female, age 35, best class, 20-Year term policy with a face amount of $500,000. Monthly premiums are available only when using SBLI’s Automatic Payment Plan. Rates vary by age, gender, health, and amount of insurance. SBLI Simple Term Life Insurance policy form series 20-P-SIT. SBLI Term Life Insurance policy form series B-56.
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