Term Insurance Types

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There are many different coverage options for Texas Term Life Insurance. Texas Term life policies cover you for only a specific period of time or until a specified age, and include a one-time death benefit payment. Texas term life insurance is generally cheaper, but its cost increases as you get older.

Texas Term Insurance provides a death benefit for a fixed number of years. This type of insurance can be used for temporary financial needs that extend over a certain period of time, such as mortgages, tuition, and other loans. For example, a 10 year term policy only pays the death benefit if you die within the 10 year period.

Terms are as short as 1 year and as long as 30 years. A few companies even have a 40 year term. Some term policies are available with “return of premium” or “ROP” riders, which can refund all or most of the premiums paid into the policy at the end of the term!


Term life offers the most death benefit for the money! Return of premium option can provide a tax free refund of all premiums paid if policy is kept the entire term period. Most policies have a guaranteed conversion option to permanent insurance, regardless of your health status.

Guarantee level Premium
  • 10-year term
  • 15-year term
  • 20-year term
  • 25-year term
  • 30-year term
Guarantee level prem. Return of Premium
  • 15-year term
  • 20-year term
  • 25-year term
  • 30-year term

Texas Life Insurance

Banner Life Insurance AIG Genworth Guardian Metlife Investors Midland National
Protective Life Prudential Transamerica West Coast Life Insurance New York Life

Northwestern Mutual MassMutual Mutual of Omaha