Term life insurance

A quick and affordable way to offer temporary protection for your loved ones in the event of your passing.

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Key Benefits

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Protect what's at stake in the next 10, 20, 30 years with max coverage.



You have predictable max coverage in the near term to protect your loved ones from unexpected catastrophes.



Get higher coverage for a typically lower price, but remember it's just temporary.


Term vs. Permanant

Have a newborn or a mortgage that you need to protect? Term life insurance can offer the most affordable temporary protection for a high coverage amount, while permanent insurance offers lifetime coverage and additional health and savings benefits.

Permanent life insurance

  • Lifelong coverage

  • Retirement benefits such as income or cash for health emergencies

  • More expensive monthly premium

Term life insurance

  • Cheapest monthly premium

  • Coverage expires after term period

  • Premiums double or triple if coverage is renewed

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Max coverage for a temporary period of time

We offer term life insurance that provides max coverage for 10, 20, or 30 years allowing you to protect your loved ones from a financial burden in case you pass. The benefits are temporary and don't provide any potential for tax-efficient growth unlike our other products.



Can my spouse and I get one policy?

Yes, there are two types of life insurance policies that allow for spouses to purchase a joint life insurance policy: First-to-die: this means that 100% of the life insurance coverage will be paid out to the first spouse that passes away to be given to the second spouse. Typically, first-to-die policies are more expensive than a normal life insurance policy. Since the life insurance company is insuring 2 lives vs. 1. Second-to-die: this means that 100% of your life insurance coverage will be paid out only after both spouses pass away and be given to their beneficiaries. Normally, we recommend that each spouse get their own life insurance policy, that way they can protect each other in the case of a life emergency and maximize their coverage amount overall for what they are paying in premiums.

It depends on what you need and many people do have multiple life insurance policies. Here are some of the most typical reasons for having multiple life insurance policies: You need additional coverage - sometimes there are life changes that bring forth the need for additional coverage, such as taking on an additional mortgage or having another child. Often, people add more coverage when such life events occur. You have different purposes for each life insurance policy - many individuals who own multiple policies own them for different reasons, such as one is used as a tax-free wealth transfer to beneficiaries while another is used for accumulating cash value (with each having very different structures to maximize the purpose and intent for purchasing the policy). You are looking to get additional coverage for a specific rider, such as long-term care or critical illness - each life insurance company will only insure you up to a certain amount for long-term care or critical illness. If you wanted additional coverage for these specific healthcare riders, you may need to purchase additional coverage through another life insurance company or purchase a stand-alone policy. You want to mitigate risk in the case of a life insurance company’s bankruptcy - some individuals choose to purchase life insurance through multiple life insurance companies in fear of one going bankrupt. However, life insurance companies rarely go bankrupt and even if they do, they have multiple layers of protection (read “What if my life insurance company goes bankrupt?” for more information). Amplify only works with A-rated companies in the U.S. Make sure to check the rating of the life insurance company you purchase before accepting the policy.


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