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Keeping your life and your family in balance

At a time in life when it would be nice to have one less thing to worry about, term life insurance can give you an easy and affordable way to protect your family.

Term Life Insurance

Intro to Term Life Insurance

Term life provides valuable life insurance coverage for the length of time you choose.

It’s a good choice if you want the highest coverage for the lowest price and only want the insurance for a specific period of time.

You'll select a beneficiary to receive the death benefit if something happens to you during the policy term. The death benefit can help:


Pay off the mortgage and help your family stay in their home.

Your Children

Afford your children’s needs as they grow.

Debts & Expenses

Pay funeral costs, cover debts and pay day-to-day expenses.

College Education

Fund a college education.


You don't need a large budget to protect your family.

A big benefit of term life insurance is that you can purchase a large amount of coverage for significantly less than permanent life insurance, and your premiums are guaranteed to stay the same for the length of the policy term. So it’s often a great option for younger individuals and families who need a lot of coverage but may not have a large budget.

Here are a few examples of just how affordable term life insurance can be:

10 year term $250,000 coverage 20 year term $250,000 coverage 30 year term $250,000 coverage
25 year old

Starting at $13.07/mo

Starting at $17.40/mo

Starting at $24.34/mo

35 year old

Starting at $13.94/mo

Starting at $18.27/mo

Starting at $27.81/mo

50 year old

Starting at $29.76/mo

Starting at $41.25/mo

Starting at $69.42/mo

Sample rates are for a female non-smoker in excellent health using our automatic monthly payment option. Rates vary based on gender, age, health and mode of payment.

Coverage Options

You can choose to be covered for 10, 20 or 30 years and can select a coverage amount from $50,000 to more than $1 million. And we understand every situation is different, so we offer additional choices on term life insurance for an added cost.

Other Options

Baby bottle to graduation cap
Child Term Insurance

This option allows you to provide up to $25,000 of term life insurance for all of your children ages 0–17. Each child’s coverage expires at age 23, or at the end of the parent’s policy, whichever comes first.

Each child has the option of converting the coverage to up to the same amount of permanent life insurance prior to age 23, without a medical exam.

Money in hand
Get your money back at the end of the policy term

Add the Return of Premium option to your 20- or 30-year term policy, and if you’re still living at the end of the policy term, you receive the base annual premiums you’ve paid over the course of the term, plus the cost of the Return of Premium benefit.1

This could help you with future expenses like retirement, a college education, or other personal expenses. (Not available in MN, PA or WA.)

First aid kit
Waiver of Premium

If you become disabled before age 60, your policy will stay active with no further payments required during your disability.

Other Benefits

Term life insurance from COUNTRY Financial has additional benefits too.

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Convert to a permanent policy

While your term policy is in force, you can convert it to a whole or universal life policy at any time (before you reach age 65 and before your term period is over), with no medical exam required. Payments for a whole or universal life policy will be higher.

Arrows surrounding a leaf
Keep your term life policy going

If you don't want your coverage to end at the end of the level term period, you can keep your coverage in force as a one-year term policy (until age 95), without a medical exam. Your premium will increase each year.

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Policies issued by COUNTRY Life Insurance Company®, Bloomington, IL.

The information and descriptions contained here are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. The precise insurance coverage under any COUNTRY Life insurance product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states.

*The Return of Premium Rider returns the annual premium paid for the base policy and the Return of Premium benefit. It does not return premiums paid for additional charges or optional benefits. See your policy for full details.


Form Number

Term Policy


Return of Premium Rider


Child Term Rider


Disability Waiver of Premium Benefit


Non-Conversion Disability Waiver of Premium Benefit