Basic, lower cost temporary protection

FutureInsure Term Life Express Insurance provides term life insurance coverage with varying amounts between $50,000 and $500,000 for a 1-year term that is renewable until age 70. Premiums may change annually and the policy cannot be converted to permanent insurance.

You should consider this product if:

  • You need a basic, lower cost option for a relatively small amount of term life insurance coverage
  • You want a simple, convenient online application process with only 7 health questions and no medical exam required
  • You’d like instant, online approval and a 30-day money back guarantee

Plan details:

Guaranteed premiums

Your premiums may change annually but only on the policy anniversary. If the premium does change, we'll give you 30 days written notice before the change is made.

Guaranteed conversion

A conversion option is not available.

Guaranteed death benefit

The death benefit is guaranteed not to change until the policy anniversary following the insured's 66th birthday. At that time, the death benefit decreases by 50% of the policy's current face amount.


The policy is renewable until the policy anniversary following the insured person's 70th birthday.

Minimum amount

  • $50,000

Maximum amount

  • $500,000

Terms available

  • A 1-year renewable term is available