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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.

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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
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.

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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.
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Understanding Term Life Insurance

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Why I Bought Term Life Insurance

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Home Sweet Home: Mortgage Protection With Life Insurance

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parents think about 10-year term life insurance as they walk in the woods with their daughter and son

10-Year Term Life Insurance: Is It a Good Fit for You?

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mother and father think about 15-year term life insurance as they walk along a lake with their son

15-Year Term Life Insurance: Is It a Good Fit for You?

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mother and father think about 20-year term life insurance as they play with their toddler daughter

20-Year Term Life Insurance: Is It a Good Fit for You?

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mother thinks about 30-year term life insurance as her toddler daughter kisses her on the nose

30-Year Term Life Insurance: Is It a Good Fit for You?

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middle-aged couple checks map on hike as they consider buying convertible term life insurance

Is Convertible Term Life Insurance Right for You?

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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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IMPORTANT DISCLOSURES

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.