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Term Life Insurance

Simple and affordable coverage designed for you.

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Easy, budget-friendly protection.

Our Term Life Insurance provides affordable protection for a 10, 20, or 30-year period with options to continue coverage for longer. Term life insurance is a great option for people seeking non-permanent coverage or more affordable life insurance solutions. Plus, your policy stays with you for the entire policy term, even if you change jobs. Policies are available from $100,000 to $500,000+

Affordable Rates

Our Term Life Insurance is our most affordable product and a great option for people on a budget.

Guaranteed Premiums

BetterLife’s Term Life Insurance is “level term”, which simply means that the rate you lock in will NOT change during the 10, 20, or 30-year term you choose.

Conversion Option

You are guaranteed to qualify for whole or universal life insurance during your term policy’s conversion period.*

Why should you choose BetterLife?

  • Community-Centered Mission
  • Member-Owned Organization
  • Access to Scholarships, Grants, and Other Member Benefits
  • Member-Focused Culture
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BetterLife Term Life Insurance is ideal for:

New Homeowners

Young Families

Recent College Graduates

Budget-Concious Individuals

*Guarantees are backed by the financial strength and claims-paying ability of BetterLife.


BetterLife life insurance and annuity products are available in 18 states including Arizona, Colorado, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Minnesota, Nebraska, North Dakota, Ohio, Oklahoma, South Dakota, Texas, Washington, Wisconsin, and Wyoming.

Here's what our members have to say:

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