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Term Life Insurance

Affordable coverage catered to you

Term life insurance is often the lowest priced coverage option, but it is temporary. It designed to help replace your income if you pass away during earning years. Your family can use the death benefit to help pay for expenses like housing, childcare and groceries. With term life insurance, you'll have:

  • A tax-free death benefit

    Provides your family stability at the very time they will need it most.

  • Flexible policy lengths

    You can choose any term length between 10 and 40 years.

  • Flexibility to convert to permanent insurance

    Switch to longer term protection in the future as provided by policy provisions.

  • Affordable rates & payments

    Plans start as little as $15.09 per month for 20 years at $250,000.1
    Rate shown is not available in New York

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Related resources

1Protective® Classic Choice Term (ICC16-TL21 / TL-21) a term life insurance policy issued by Protective Life Insurance Company, Nashville, TN, with administrative offices at 2801 Highway 280 South, Birmingham, AL 35223. In New York, Protective® Classic Choice Term (TL-21-NY 4-16) a term life insurance policy issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Policy form numbers, product features and availability may vary by state. All payments and all guarantees are subject to the claims paying ability of Protective Life Insurance Company. The monthly cost shown is based on a male, age 37 Select Preferred underwriting class for a policy not issued in NY; rates for other underwriting classifications would be higher. Further underwriting restrictions may apply. Other face amounts and guaranteed premium terms are available but will have different rates than those shown here.

This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website (

ECC Monitor: OK