10-Year vs. 30-Year Term: How Coverage Length Impacts Price
Article
Product Hero Deco
Term Life Insurance
Get affordable term life insurance with no medical exam, flexible coverage terms, and approval in minutes.
Start the Coverage Quiz 
Protection for life’s most important years
Term Life Insurance is the most straightforward way to make sure your family doesn't face a financial crisis if you die unexpectedly. It covers the years when the stakes are highest: the mortgage, the kids, the income your household depends on, at a price most people can actually afford.
$300,000
in benefits paid last year
40%
of adults believe they need more life insurance, indicating a significant need gap.
Source: 2025 Life Insurance Barometer Study, LIMRA
Our Features
- Flexible benefits and affordable rates
- Coverage starting at $13 per week
- Insurance protection for the duration of the term
Start the quiz to determine which type of coverage is best for you
Start the Coverage Quiz What is covered
Who is it for
Why it matters
For as little as $1.19 per week
protect your family's financial future
Decoration
Hear from real families about real coverage
After our first child was born, protecting our family's future became a priority. We chose term life insurance because it provides the coverage we need during the years our family depends on us the most. It gives us real peace of mind.
Why choose FSP?
Trusted for over 50 Years
For decades, The Family Security Plan has helped working families access affordable insurance protection and financial security.
We're with you every step
We don't just sell you a policy, we're here to answer your questions and make sure you feel confident every step of the way.
Simple, affordable, no medical exam
No hoops, no complicated process, just straightforward protection that's easy to understand and built around the way real families actually live.
Ready to get started?
Is term life insurance the right fit for me?
If you’re exploring term life insurance, you’re not alone.
Our resources can help you better understand your options and make informed decisions.
Common questions about term life insurance
Protection you can feel confident about
I knew I needed life insurance, but I was worried about the cost. The Family Security Plan made it easy to find affordable term life coverage that fits my budget. Now I know my family would be financially protected if the unexpected happened.
I wanted to make sure my wife wouldn't have to worry about paying the mortgage or covering everyday expenses if something happened to me. Term Life Insurance gave me a simple, affordable way to protect the people I love.
Term Life Insurance with The Family Security Plan gave me the protection my family needs at a price I could afford. I wanted to make sure my loved ones would be financially secure if something happened to me, and now I have confidence knowing they're protected.
