Term life insurance

Term life insurance is a reliable and affordable type of protection. If you need temporary coverage for a year, or protection for your family until major debts are paid off, term insurance may be a good fit for you.

Advantages of Term life insurance

Term insurance is basic, low-cost life insurance for temporary needs. You’ll either pay level premiums for a specific time period — 1, 10, 15 or 20 years — or you’ll pay premiums that are renewable and increase each year as you get older. It does not build up cash value, but provides a level, guaranteed death benefit to your beneficiaries, generally income tax-free, if you should pass away during that time period. Term insurance typically provides the most protection for your premium dollar, making it generally the most affordable type of insurance available.

Mother reading to her two children

Proceeds from Term insurance can:

  • Pay off your mortgage
  • Pay off debt
  • Replace lost income
  • Pay final expenses
  • Help transition a business
  • Pay for your children’s college education

Coverage that stays with you

Many group life policies, provided by employers, end once you’re no longer employed. You can protect yourself and your loved ones no matter where or for whom you work — with affordable insurance from Equitable.

Learn more about our Term life policies:

Term Series

Offers affordable premiums that are guaranteed to remain level for 1, 10, 15 or 20 year(s), depending on which policy you choose. After the stated term, your premiums will increase annually, as shown in the policy.


Fixed premiums

GE-2842527 (01/2020) (Exp. 09/2020)