What is a term life policy?
Term life insurance provides coverage for a set period—usually 10 to 30 years—and pays a death benefit if you pass away during that time. It’s simple, affordable, and doesn’t build cash value like whole or universal life policies. Perfect for covering temporary needs like income or mortgage.
After you submit your application with a few health questions, we review it for quick approval. In some cases, we may ask a few follow-up medical questions based on your responses.
Thought
Is a term life insurance policy good for me?
Term life insurance is a simple and affordable way to protect your loved ones during key stages of life—like raising a family, paying off a mortgage, or covering major expenses. It’s often chosen for its lower cost compared to permanent life insurance, making it ideal for those with temporary but significant financial responsibilities.
One major advantage of term life is the fixed premiums. You’ll pay the same amount each year throughout your term, which makes it easier to plan and budget. Choosing the right term and coverage amount depends on your current needs and long-term financial goals.
Differnece
What’s the difference between term and whole life insurance?
When choosing between life insurance options, it’s important to understand the difference. Term life insurance offers coverage for a set period and is usually more affordable—ideal for covering needs like income replacement or mortgage protection. If the term ends without a claim, the policy expires.
Whole life insurance, on the other hand, provides lifelong coverage as long as premiums are paid. It also builds cash value over time but comes with significantly higher premiums—often five to 15 times more than term for the same benefit. It’s a better fit for those with long-term financial goals or estate planning needs.
After you apply If you’re asked to answer any follow-up questions, be sure to take care of these requests as soon as possible. The policy underwriting process will be delayed until these steps get completed.
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Coverage you can trust
Aspire Finance term life policies are backed by trusted, top-rated insurance carriers. By combining reliable coverage with our fast, online application, we've cut the process down to minutes instead of weeks. You get the strength of major insurers with the ease and speed of Aspire's modern approach.
Why purchase with Aspire?
Expert advice
We know life insurance is a big financial decision, and questions are natural. You’re never required to speak with an agent—but if you’d like help, our licensed experts are here and ready. They’ll guide you toward the right term life insurance policy with honest, personalized support.
Flexible coverage
With a term policy from Aspire Finance, you can receive life insurance coverage ranging from $20,000 to as much as $3 million. We offer flexible term lengths of 10, 15, 20, 30, and even 40 years, so you can tailor your policy to fit your lifestyle, future plans, and financial responsibilities.
Fast process (no medical exams)
At Aspire Finance, our 100% online and hassle-free process lets you apply in minutes—no waiting, no paperwork. What once took weeks now takes just a few clicks, and in most cases, no medical exam is required—just answer a few simple health questions to get started.
Money-back guarantee
Take your term life insurance policy for a worry-free trial with our 30-day money-back guarantee. If, for any reason, you're not completely satisfied within the first 30 days, we’ll refund your premium in full—no questions asked. Even after the 30-day period, you’re free to cancel your policy at any time.
policy
How to purchase a policy
Term life insurance offers fast, easy and affordable financial protection for your loved ones.
1
Choose coverage
Choose the policy that fits your life. Aspire Finance offers a variety of coverage amounts and term lengths, so you can customize your protection for matching
2
Apply online
After you choose the right plan for you, simply complete our quick and easy online application. It’s designed to be straightforward and user-friendly,
3
Activate your coverage
Once you submit your application, we’ll quickly review it and provide an instant decision. If approved, you can activate your coverage immediately.
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$900,000
No-med-exam life insurance coverage
30s
From
$31/mon
40s
From
$49/mon
50s
From
$103/mon
Services
Comprehensive insurance services
Our comprehensive insurance services are designed to provide you with peace of mind, no matter your needs
Term Insurance
Term life insurance provides affordable coverage for 10 to 30 years. If you pass during the term, your beneficiaries receive a guaranteed death benefit.
Life Insurance
At Aspire Finance, no medical exam is needed—just answer a few health questions online. No matter your health status, you’re eligible hassle-free coverage.
Whole Insurance
Whole life insurance offers lifelong protection with a guaranteed payout. It’s ideal if you want lasting coverage, cash value growth, and long-term financial security.
Final Expenses
End-of-life care provides comfort and support for those nearing life’s end. It focuses on enhancing quality of life for patients and families by addressing it.
Index Universal Life
A cash value and living benefits for times of challenge opportunity. Valuable tax advantages. Market-based growth without market-based loss.
FAQS
Frequently asked questions
Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.
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What does life insurance cover ?
Life insurance covers a death benefit to your beneficiaries, helping with expenses like funeral costs, debt, and living expenses. It provides financial security during difficult times.
What kind of life insurance does Aspire Finance offer?
Aspire Finance offers Term, Whole, Final Expense, and Indexed Universal Life (IUL) insurance policies. These options provide flexible coverage to fit your needs and budget.
But I have insurance through my employer, isn’t that enough?
Employer-provided insurance may not be enough to fully cover your needs, as it typically offers limited coverage and may end if you change jobs. Personal life insurance provides additional, customizable protection for you and your family.
Who is eligible to apply?
Aspire Finance offers life insurance to U.S. citizens and permanent residents aged 20 to 85. Eligibility may vary based on the policy type and individual health circumstances.
How much life insurance do I need?
The amount of life insurance you need depends on factors like your income, debts, and financial goals. Use our life insurance calculator to help estimate the coverage that best fits your needs.
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