Term Life Insurance


Term life insurance is the most basic form of life insurance. It provides affordable protection for a fixed period.

Term insurance is designed to protect against catastrophic loss, or as supplemental coverage for a permanent life policy.  The premium for term insurance is initially lower than a comparable permanent insurance policy; however, it can increase at each renewal. This initially lower premium usually makes term life insurance an ideal choice for people with a temporary need for life insurance protection. Contact us in Beaverton, Grants Pass, Lake Oswego, or Medford for more info!

Compare Plans

Check out our Permanent Life plans for more comprehensive coverage.

Term Life Overview

Term Life is good for:

  • Temporary protection
  • A low-cost alternative to a Permanent Life policy
  • A supplement to a Permanent life policy for additional coverage
  • Conversion privileges

Rates are affected by:

  • Age
  • Gender
  • Health
  • Smoker or non-Smoker
  • Amount of coverage required

More Insurance FAQs

How much coverage do you need?

Use this calculator from LIFE to answer this complex question.
Open Calculator

Carriers We'll Quote

Genworth Financial Lincoln Financial Group MetLife Ohio National Financial Services Prudential United of Omaha Life Insurance

Term Life Insurance Education

This site requires Flash and JavaScript enabled in order to view videos.

Education Overview

Life insurance is complicated. In order to make to the right selection you need to consider your situation. Are you looking for lifetime coverage or just a specific period? How much coverage will you need to protect your family when you’re gone?

Review our FAQs and use our Life Insurance... More

Term Life Insurance Information

From Insurance Lounge

Term Life Insurance FAQs

7.18.13 – From Insurance Lounge

The Ultimate Guide To Buying Life Insurance

6.1.12 – From Insurance Lounge and NAPS

Choosing Life Insurance

6.1.12 – From Insurance Lounge and NAPS

Life Insurance: Who Needs It?

10.25.10 – From NewsMax.com

For the Sake of Your Loved Ones, Get Life Insurance

Still Have Questions?


More About Purchasing Term Life Insurance vs. Permanent Life Insurance

Considering Term Life Insurance?

We offer a complete range of packages that will fit any customer’s situation. Whether you need protection against financial losses or you want a good alternative to permanent life insurance, we can help. Our team will walk you through the entire shopping process.

Oregon Insurance Policies Fit to Your Needs

Term life insurance is ideal for those who need protection for a certain period. You can choose a coverage amount and term that are convenient for you and your family. Term lengths range from 10-30 years. Our policies are flexible and easy to understand. The monthly premium depends on the policy term length and amount of coverage you choose.

The Insurance Lounge Way

Our commitment to providing convenient insurance packages sets us apart from other companies. We maintain good relationships with the most trusted insurance carriers to bring the best products to our clients in the Beaverton, Grants Pass, Lake Oswego, and Medford areas. We focus on simplifying the insurance buying process using innovative features and tools.

Contact Our Offices: Beaverton, Grants Pass, Lake Oswego & Medford

Trust Insurance Lounge for all your protection and coverage needs. We’re here to serve, interact, and educate. Contact us to get started with the application process. Check out our FAQs page to learn more about our insurance policies and their benefits including: