Two options. Simple. Affordable. Online. In approximately 30 minutes.

ValoraLife Term

Term

Your family is financially protected if you pass away as long as your policy is in force.

ValoraLife Term

Our most affordable coverage

Term Life insurance means that if you pass away while you’re insured, your beneficiary receives the amount that you’re insured for. The policy expires at the end of the term, which is either 20 or 30 years.

ValoraLife Term: Things You Should Know
Price Most affordable
Monthly Payment Fixed
Maximum Coverage $1,000,000
Term 20 or 30 year
Premium Return 0% returned
Conditions Medical exam required

Valoralife Term Plus

Term Plus

Your family is financially protected if you pass away as long as your policy is in force. And 100% of your premiums are returned if you outlive the full term of your policy.*

*Less policy fees, any Policy Debt, and substandard premiums (if applicable).

ValoraLife Term Plus

Get your monthly premiums back

ValoraLife Term Plus features the same coverage as Term Life, meaning that if you pass away while you’re insured, your beneficiary receives the amount that you’re insured for. On the flip side if you outlive the term of your policy, it pays you back every nickel you paid in premiums.*

*Less policy fees, any Policy Debt, and substandard premiums (if applicable).

ValoraLife Term Plus: Things You Should Know
Price More expensive
Monthly Payment Fixed
Maximum Coverage $1,000,000
Term 20 or 30 year
Premium Return 100% returned*
Conditions Medical exam required

*Less policy fees, any Policy Debt, and substandard premiums (if applicable).

Get a quote for both options in about 5 minutes using our online form.

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Examples of our product coverage based on a 30 year old woman in good health with $100,000 coverage for a 20-year term.

Option ValoraLife Term ValoraLife Term Plus
Monthly cost $8 $19
Cost after 1 year $100 $229
Cost after 5 years $500 $1,145
Cost after 15 years $1,500 $3,435
Total cost at end of 20-year term $2,000 $4,580
Example amount returned at end of term if insured is still living $0 $3,139*

*Returned Premium is less policy fees ($6 monthly), any Policy Debt, and substandard premiums (if applicable).

Get real numbers that are matched to you and your situation.

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