Term Life Insurance
Affordable fixed-term coverage for the years your family needs it
Why term life
Maximum protection per dollar
Most affordable coverage
Term life is the cheapest way to get a meaningful death benefit, often a fraction of what whole life costs for the same coverage amount.
Fixed premium, fixed term
Your premium locks in the day you buy and stays level for the full term, with no surprise rate hikes.
Tax-free death benefit
Your beneficiaries receive the full death benefit income-tax-free if you pass away during the term.
20-year term: the most popular choice
The 20-year term is the most popular choice among SC families. It lines up well with the time it takes to raise children to adulthood, pay down a mortgage, or reach retirement age. For a family with young kids, a 20-year term ensures income replacement is in place until dependents are financially independent. Premiums are moderately higher than a 10-year term but still very affordable relative to the coverage provided.
- Ideal for families with young children
- Matches most mortgage paydown timelines
- Balance of cost and coverage length
30-year term: the longest lock-in
A 30-year term offers the longest level-premium period available and locks in today's rates for three full decades. Excellent for young families, new homeowners with a 30-year mortgage, or anyone who wants to maximize the length of affordable protection. Because you're locking in your health rating for 30 years, buying while you're young and healthy can save you significant money over the life of the policy.
- Locks in your rate for 30 years
- Best fit for young, long-horizon families
- Single policy covers a 30-year mortgage
10-year term: shorter-horizon needs
A 10-year term is the most affordable option and works well when you have a shorter financial obligation to cover. Common reasons to pick a 10-year term include covering a business loan, bridging the gap until retirement savings are sufficient, or protecting a co-signed debt. Also a practical choice for older applicants who want affordable coverage for a defined period.
- Lowest premium of the three terms
- Good fit for business loans and co-signed debts
- Practical for older applicants on a defined timeline
What shapes your premium
The levers that drive the rate
Age & term length
The two biggest levers. Every year you wait raises the premium, and longer terms cost more than shorter ones.
Health & tobacco use
Weight, blood pressure, cholesterol, family history, and tobacco use all affect your rate class. Non-tobacco preferred rates are much cheaper.
Conversion rights
Many policies let you convert some or all of your coverage to whole life without a new medical exam, which is valuable if your health changes mid-term. It's worth checking the conversion window before you buy.
Andrew has now helped me with my insurance twice. He's thorough and explains all the plan options — pros, cons, the differences. He didn't rush me or make me feel bad for asking more questions. If you're looking for an agent who isn't pushy, you need to call Mr. Mayne.
Kaitlyn F.
Term life client · South Carolina
Related coverage
Other life insurance options
Life Insurance Overview
Start here to compare term, whole, and universal life side by side.
Learn moreWhole Life Insurance
Permanent coverage that builds cash value for estate planning and legacy goals.
Learn moreDisability Insurance
Protect your income if illness or injury keeps you from working.
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Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Life insurance carriers
Our Brokerage Partners
Allstate
American Amicable
Assurity
Banner Life
Corebridge Financial
Fidelity & Guaranty Life
Mutual of Omaha
Nationwide
Transamerica
Why work with us
Multiple carriers shopped, zero cost to you
Every top-rated carrier compared
Not tied to one company. We shop your application across several highly rated term life carriers to find the most competitive rate.
Sized to your real needs
We run a proper needs analysis covering income replacement, outstanding debts, and future expenses so you buy exactly the coverage your family would need.
No broker fee
Carriers pay us. Your premium is identical whether you use a broker or go direct, and you get expert guidance on top of it.
Got Questions?
Frequently Asked Questions
Have a question not listed here? Get in touch.
Term life insurance is a policy that covers you for a specific period, typically 10, 20, or 30 years. If you pass away during the term, your beneficiaries receive the full death benefit tax-free. If you outlive the term, the policy expires with no payout. Term is the most affordable type of life insurance because it's pure death benefit protection without a cash value component.
Term life insurance is surprisingly affordable, especially for younger and healthier applicants. Costs increase with age, health issues, tobacco use, and higher coverage amounts. We compare rates from multiple carriers and run a real quote so you see actual numbers for your situation, not estimates.
When your term ends, you have several options. Most policies offer a renewal option that allows you to continue coverage year-by-year at a significantly higher premium without a new medical exam. Some policies include a conversion privilege that lets you convert to a permanent (whole life) policy without proving insurability. Or you can simply let the policy expire if you no longer need the coverage.
Many term life policies include a conversion option that lets you convert some or all of your coverage to a permanent whole life policy without a medical exam or health questions. This is valuable if your health has changed since you purchased the term policy. Conversion deadlines vary by carrier — some allow conversion anytime during the term, while others set a specific cutoff date. We help you understand your conversion options before you buy.
Get a Free Term Life Quote
Compare 10, 20, and 30-year term policies from top-rated carriers.