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

Term Life Insurance

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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Explore the Benefits of Simple Choice Term Life Insurance

Our term life insurance policy 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. 

  • 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 policy1
  • Specific Time Period: coverage provided for 10, 15, 20 or 30 years

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
Give us a call 844-543-3494 844-543-3494

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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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 financial ratings and a heritage of financial strength, Western & Southern has become one of the strongest life insurance groups, offering you stability you can count on. We have knowledgeable financial representatives available to help you with your term life insurance needs. 


1Increases in coverage are subject to new underwriting.

Renewable and Convertible Term Policy ICC18 1801-307 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, NH, NY and RI.

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.