Term life insurance

Would your family be financially secure in the event of your death? It’s something no one wants to think about, but we all should be prepared for. Term life insurance underwritten by Golden Rule Insurance Company can play a part in helping you protect your family’s finances in your absence.

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What is term life insurance?

Term life insurance is a life insurance policy that pays cash benefits to help your loved ones in the event of your death.

Term life insurance policies from Golden Rule Insurance Company also feature an optional Critical Illness Benefit1 that pays cash benefits upon diagnosis of a qualifying illness or death.


A term life insurance policy features advantages like:

  • Lump-sum benefit paid upon your death
  • Multiple terms and benefit levels to choose from
  • No medical exam required2
  • Eligible for coverage until age 75

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Select your state from the menu to read more about plans available where you live.

How does term life insurance work?

Term life insurance pays your designated beneficiary(ies) a lump sum if you die within the selected policy term. If you opt for the optional Critical Illness rider and are diagnosed with a qualifying illness, you will receive a cash benefit according to the terms of your policy.

The money is paid to you and can be used as you wish. The benefit amount received from the Critical Illness rider is subtracted from the benefit amount of your term life insurance policy.

Who benefits from term life insurance policies?

Because term life policies are only active for a set amount of years, some people benefit from these policies more than others. Term life insurance may be a good option if you are:

  • Raising children
  • Paying off a mortgage
  • Earning a majority of the household income

Term vs. whole life insurance

Term life insurance differs from whole life insurance. A term life policy has a death benefit, meaning the benefit is paid when the insured dies. A term life insurance policy has a set duration on the coverage period, after which the coverage expires (or can be continued at a higher rate).

In contrast, whole life insurance plans have living benefits and often feature savings components that build up over time. As the name implies, permanent or whole life insurance plans extend until the policy owner dies or reaches 100 years of age.

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Losing a loved one is hard

No one wants to think about what happens after they’re gone, but if you have a family, having a term life insurance plan can help keep your family secure.

Contact a product advisor for more information on how term life insurance can help.

Covered critical illnesses

Your Critical Illness benefit can be paid out for the following qualifying critical illnesses:3

  • Heart attack
  • Life threatening cancer
  • Loss of hearing, speech or vision
  • Major organ transplant
  • Paralysis
  • Coma
  • Renal failure
  • Stroke
  • Carcinoma in situ
  • Coronary artery bypass graft

Need help finding a plan?

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  1. Optional benefits require additional premium.
  2. Product is medically underwritten.
  3. Waiting periods may apply.


No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another’s financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc., Unitedhealthcare of Washington, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).