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family admiring new baby protected with term life insurance
Short-Term Solutions for Your Short-Term Needs

Our Term Life Insurance Provides Short-Term Coverage for the Duration You Need

Term life insurance is affordable coverage that lasts for only the number of years you select at issue. Once the term is over, your coverage ends. Unlike whole life and universal life insurance, term insurance builds no cash value.

This type of protection can be beneficial if you need coverage for only a specified time – perhaps to cover the payback terms of a student loan or mortgage. Or you may go through periods in your life when money is tight or when you're not quite sure you want permanent life insurance, yet you know you need the coverage. Term may be a viable financial solution.

father and son fishing in stream thinking about term life insurance

Choose the Term Life Policy That's Right For You

Western & Southern's term life insurance policies can be selected to fit your specific needs. You have the option to choose specified term lengths or the ability to convert the policy to permanent insurance when you're ready.

Benefits Simple Choice Term Simple Choice Annual Renewable & Convertible Term Term to 25
Fixed Premiums Same amount owed every time payment is due
Level Death Benefit Remains the same throughout the policy's entire lifetime
Conversion Privileges Ability to change policy to a permanent policy
Children Insurability Available for children ages 0 through 17
Specific Term Period Coverage provided for 10, 15, 20 or 30 years
  Simple Choice Simple Choice AR&CT Term to 25
Additional term life insurance products offered by Columbus Life Insurance Company: Nautical Term® & Lafayette Life Insurance Company: Centennial Term Series

How Much Life Insurance Do You Need?

Life insurance can be an important element of your overall financial strategy. Answer a few quick questions about your life situation to estimate how much coverage you might need.

Calculate My Life Insurance Needs

How Much Life Insurance Do You Need?

Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
How many years is your family relying on your annual income?
Advanced Calculator
Final Expenses
Coverage Amount $0
Get Your Instant Quote Coverage Amount
Term Life Insurance May Be More Affordable Than You Think

Do you think term life insurance is too expensive? Take a minute or two to learn some important facts about term life so you can decide how best to provide for all of your family’s needs.

Term Life Insurance

80% of consumers who believe they need life insurance haven’t bought it because they think it is too expensive. (Life Happens, April 2015)

80 percent of consumers misjudge the price for term life insurance, with Millennials overestimating the cost by 213%, and Gen Xers overestimating the cost by 119%. (Life Happens 2015)

In 2016, there was a significant decline in life insurance coverage adequacy for U.S. households. In 2010, those insured had coverage to replace their income for 3.5 years. Today that has dropped to 3 years, which is far lower than most industry recommendations. (Limra Facts 2016)

The average insured adult has 3.6 times his or her annual income for life insurance coverage, or $166,600. Salary: $46,333, Life Insurance: $166,800. (How much life insurance do you need? By Barbara Marquand Posted : September 12, 2017. 2017)

But is it enough to provide for all of your family needs?

As a general rule of thumb, it is recommended that you have 8-10 times your salary in life insurance. However, this may be too much, or not enough. Everyone’s personal needs are different. We can help you determine how much is right for you. Talk to us today.

Western & Southern Financial Group ©2017 Western & Southern Financial Group, Inc. All rights reserved.

Annual Renewable Convertible Term Policy Series 0701-306 WSA issued by Western-Southern Life Assurance Company. Renewable and Convertible Term Policy Series 0701-307 WSA and 0701-307-U WSA issued by Western-Southern Life Assurance Company. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, NH, NY and RI. VID117 1711

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Learn More About Term Life Insurance

Start with these educational articles to help empower you to make more informed decisions about your financial future.
A multi-generational family walks down a path in the fall: term life insurance

The Basics: What Is Term Life Insurance?

What is term life insurance — and is it the right choice for you? Explore this insurance type to unlock the answer. 
A mother plays a game with her young daughter: term life insurance

Why Buy Term Life Insurance?

Learn about one woman's experience with term life insurance, including why she decided on a policy and finds value in it for her needs.
Family standing with real estate agent on the lawn in front of a house for sale: mortgage protection

How Can You Help Protect Your Mortgage With Life Insurance?

Life insurance could help you keep your loved ones where they belong: at home. Learn more about mortgage protection with life insurance.

Explore Term Life Insurance in More Depth

Is 10-Year Term Life Insurance a Good Fit For You?

Explore 10-year term life insurance, and learn if it's the best choice for your needs and goals.

Is 15-Year Term Life Insurance a Good Fit For You?

Explore 15-year term life insurance, and learn if it's the best choice for your needs and goals.

Is 20-Year Term Life Insurance a Good Fit For You?

Explore 20-year term life insurance, and learn if it's the best choice for your needs and goals.

Is 30-Year Term Life Insurance a Good Fit For You?

Explore 30-year term life insurance, and learn if it's the best choice for your needs and goals.

What Is Convertible Term Life Insurance?

With convertible term life insurance, you could switch your term policy to permanent coverage without passing a health exam. 

Why Term Life Insurance From Western & Southern?

When you’re looking for affordable short-term insurance options, you want term life insurance from a company with a history of financial strength. With our solid financial ratings and a heritage of 130 years of financial strength, Western & Southern has become one of the strongest life insurance groups in the world, offering you stability you can count on.
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Convertible Term Life Policy to Age 25 series 0801-220 issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, CT, ME, MA, NH, and NY.

Annual Renewable Convertible Term series 0701-306 WSA, Renewable and Convertible Term Policy 0701-307 WSA, 0701-307-U WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

Term Life Insurance Policy series CL 83 0405, CL 83-U 0405 issued by Columbus Life Insurance Company which operates in the District of Columbia and all states except New York.

Term to 105 Life Policy series TLP-08-10, TLP-08U-10 issued by Lafayette Life Insurance Company which operates in DC and all states except NY.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.

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