Term life insurance
Term Life Insurance That’s Simple, Smart, and Affordable
When life is moving fast, your insurance coverage shouldn’t slow you down. Term life insurance is designed for people who want straightforward, affordable coverage that protects their loved ones during life’s most financially vulnerable seasons. Whether you’re buying a home, growing your family, or building your career, term life gives you peace of mind without locking you into a long, expensive commitment.
At Real Innovation, we’ve removed the roadblocks of traditional life insurance. Our modern platform compares top-rated policies in real time to match you with the right plan based on your life, your goals, and your budget.
What Is Term Life Insurance?
Term life insurance provides temporary coverage for a set number of years—typically 10, 15, 20, or 30. If you pass away during the term, your beneficiaries receive a tax-free death benefit to help replace income, pay off debt, or cover future expenses.
Unlike permanent insurance, term life does not build cash value, which keeps it more affordable and accessible for families, individuals, and first-time buyers.
Is Term Life Right for Me?
You might be a good fit for term life insurance if:
- You’re looking for low-cost life insurance coverage that protects your loved ones during your prime earning years
- You have a mortgage, car loan, or credit card debt you don’t want your family to inherit
- You’re a parent who wants to make sure your children can afford college or childcare
- You need coverage for a specific time frame but not for life
- You want quick, no-hassle coverage with minimal paperwork
How Real Innovation Stands Out in the Crowd
We get it. Nobody wants to talk about life insurance. But at Real Innovation, we make it feel less like a chore and more like a smart move you can feel good about. Our technology simplifies everything:
- Apply online in minutes with no confusing forms
- Get matched to real-time policy options based on your age, health, and goals
- Skip the medical exam in most cases
- Instant decisions available for qualified applicants
- Transparent pricing with no pressure and no surprises
We give you access to licensed agents who provide honest, consultative guidance when you need it (and zero sales pressure when you don’t).
How Much Coverage Should You Get?
Everyone’s needs are different, but a general rule of thumb is to choose a death benefit that’s 10 to 15 times your annual income. You’ll also want to factor in outstanding debts (like mortgages and student loans, future education or childcare costs, ongoing household expenses, and any existing savings or other life insurance policies.
Let’s Be Real…
You don’t need a million-dollar salary to make a million-dollar impact.
Term life insurance helps you protect the people who matter most, without overpaying or overcomplicating the process.