Plan for the unexpected today

Term life insurance is designed to provide low-cost life insurance for a stated period of time, usually between 1 to 30 years. In the event of a tragedy, it can help:

  • Maintain your family’s lifestyle (income replacement)
  • Keep your family in their home (mortgage payoff)
  • Remove debt burdens (credit card/personal loan payoff)
  • Finance a child’s education
  • Pay for funeral expenses
  • Protect your spouse’s retirement plans
  • Continue a business

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Life, Long-term Care, Disability, and Medicare Health solutions provided by Truist Life Insurance Services

Compare options

To determine the right coverage for you and your family, contact us or get a no-obligation quote online. 

Fully underwritten term

Coverage amount: $100,000 to $5,000,000

Level term options: 10, 20 or 30 years

Underwriting requirements: Medical exam required

Age and health: Ages 18 to 80, with some pre-existing conditions acceptable

Policy issuance: 6 to 8 weeks after application, if qualified

Insurer: Truist Life Insurance Services

Simplified issue term

Coverage amount: $25,000 to $500,000

Level term options: 10, 15, 20 or 30 years

Underwriting requirements: No medical exam or lab tests required  (Policy issuance may depend on your application responses.)

Age and health: Ages 18 to 65  , dependent on health history

Policy issuance: Within days, if qualified

Insurer: Lumico Life Insurance Company

Underwriting requirements

Fully Underwritten

  • A traditional underwriting process requiring a thorough review—including a full medical exam—to qualify.
  • Your health status could result in a lower premium cost.

Fully underwritten term life insurance is available through Truist Life Insurance Services. Whether you apply online or contact us first, you will have access to more than 100 highly rated insurance companies and a dedicated team of life insurance professionals to help you every step of the way.

Simplified Issue

  • A convenient way to process term insurance that does not require a medical exam or lab tests.
  • You'll get a faster underwriting decision, but generally a higher premium cost due to the limited underwriting and medical evidence of insurability.

Simplified issue term life insurance is available online by one of our trusted carrier partners, Lumico Life Insurance Company, rated "A" by A.M. Best—the leading rating agency of the insurance industry. Other simplified issue products may be available through our agents.

Beyond term

Term life policies, both fully underwritten and simplified issued, are generally less expensive than permanent life insurance. Some term products may be convertible to permanent insurance without going through medical underwriting. In general, term insurance is well-suited for those with protection needs for a defined period of time or a low premium tolerance.

Permanent life insurance is designed to offer lifetime protection along with the ability to accumulate cash value on a tax-deferred basis. There are different kinds of permanent insurance, such as Whole Life and Universal Life. Our insurance specialists can help you find the product that suits the needs of you and your family, including comparisons of various products and carriers.

Other insurance solutions we can help you with include:

  • Policy review of your existing coverage
  • Long-Term Care
  • Disability Income
  • Health

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Insurance products are offered through Truist Life Insurance Services, a division of Crump Life Insurance Services, Inc., AR license #100103477, a wholly-owned subsidiary of Truist Insurance Holdings, Inc.



  • 1

    Online processing of term life insurance is through InsureNOW Direct, a division of Crump Life Insurance Services, Inc.

  • 2

    Because simplified term life insurance is issued with only limited medical information, the policy costs are typically higher and certain restrictions generally apply. Those willing to undergo more extensive medical testing may benefit from fully underwritten term life.

  • 3

    Maximum issue ages: 10-, 15- and 20-year terms available to age 65, and 30-year terms to age 50. Once coverage is issued, it can continue to age 95.

  • 4

    Simplified Issue Term Life Insurance underwritten by Lumico Life Insurance Company. Product features and exclusions vary and may not be available in all states. BBT-LUM-2018-001

  • 5

    These ratings reflect claims paying ability but are not a guarantee of future performance. "A" is excellent, and is the second highest of fifteen ratings that can be awarded. It means that Lumico is financially stable and secure.

Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544.