Available for
Ages 18-80
10-30 Year Term’s
Coverage Amounts
$25,000-$2,000,000
Term Life Insurance offers affordable, reliable coverage designed to help protect what matters most. If you pass away during your policy term, this plan could help payoff your entire mortgage and safeguard your loved ones from financial strain.
Table of Contents
Policy Features
Fully guaranteed benefit from day one as long as premiums are paid.
The price of your coverage never goes up during your coverage period.
Early access to a portion of the benefit should you be diagnosed with a terminal illness.
(Accelerated Benefit Rider)
Eligible to convert to a whole life plan up to a certain point during your term.
Return-of-Premium options are available at a higher cost.
Sample Quotes
The following charts display the cheapest policy options available through yoursecurelife.net. (Last updated 4/18/26)
If you’d prefer to receive a direct quote, feel free to call or text Justin Grooms (Independent Life Insurance Broker) at 732-509-6605 or message the WhatsApp link below.
*All of the below-listed quotes assume you’re a non-smoker with great health. If you’re found to have some health concerns when you apply for coverage, your premium rate could be higher, and you may be subject to a medical exam.*
$250,000
| Females | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $12.04/month | $13.33/month | $18.49/month |
| Age 40 | $15.27/month | $19.57/month | $22.38/month |
| Age 50 | $24.08/month | $40.21/month | $64.50/month |
| Age 60 | $64.60/month | N/A | N/A |
| Males | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $12.04/month | $14.84/month | $21.72/month |
| Age 40 | $16.56/month | $23.01/month | $34.40/month |
| Age 50 | $29.03/month | $51.82/month | $87.29/month |
| Age 60 | $65.03/month | N/A | N/A |
$500,000
| Females | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $13.55/month | $20.43/month | $29.46/month |
| Age 40 | $21.72/month | $31.61/month | $49.67/month |
| Age 45 | $28.60/month | $46.66/month | $73.32/month |
| Age 50 | $41.50/month | $69.02/month | N/A |
| Males | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $16.13/month | $23.87/month | $35.91/month |
| Age 40 | $25.59/month | $37.20/month | $61.71/month |
| Age 45 | $33.33/month | $59.13/month | $96.97/month |
| Age 50 | $51.39/month | $92.67/month | N/A |
$750,000
| Females | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $17.63/month | $27.95/month | $41.50/month |
| Age 40 | $29.89/month | $44.72/month | $71.81/month |
| Age 45 | $40.21/month | $67.30/month | N/A |
| Age 50 | $59.56/month | N/A | N/A |
| Males | |||
|---|---|---|---|
| 10 Year Term | 20 Year Term | 30 Year Term | |
| Age 30 | $21.50/month | $33.11/month | $51.17/month |
| Age 40 | $35.69/month | $53.11/month | $89.87/month |
| Age 45 | $47.30/month | $86/month | N/A |
| Age 50 | $74.39/month | N/A | N/A |
$2,000,000
| Females | ||
|---|---|---|
| 10 Year Term | 20 Year Term | |
| Age 30 | $31.45/month | $43.35/month |
| Age 40 | $48.45/month | $77.35/month |
| Males | ||
|---|---|---|
| 10 Year Term | 20 Year Term | |
| Age 30 | $38.25/month | $55.25/month |
| Age 40 | $53.55/month | $94.35/month |
Other Term Life Plans
Term life insurance isn’t one‑size‑fits‑all. While traditional level‑term policies are the most common, there are several variations designed to meet different financial goals. Below are three popular types of term‑based coverage and how they work.
Return of Premium (ROP) Term Life Insurance
Return of premium term life insurance refunds all the premiums you’ve paid if you outlive the policy term. You get the same temporary protection as standard term life, but with the added benefit of receiving your money back at the end. Premiums are higher, but many people like the built‑in savings aspect.
Decreasing Term Life Insurance
Decreasing term life insurance provides a death benefit that gradually declines over the life of the policy. It’s often used to cover debts that shrink over time—like a mortgage or business loan—so the coverage aligns with your remaining balance. Premiums typically stay level even as the benefit decreases.
Accidental Death & Dismemberment (AD&D) Insurance
AD&D insurance pays a benefit if death or certain serious injuries occur as the result of an accident. Covered injuries may include loss of a limb, eyesight, or hearing. It’s not an ideal substitute for traditional life insurance because it only covers accidental events, but it can be an affordable supplemental policy for extra protection.
Get a Direct Quote
Hi, thanks for stopping by my site. My name is Justin Grooms and I’m a licensed life insurance broker in the states of NJ & MD. I provide free direct quotes and consultations to anyone interested in acquiring term life insurance.
My aim is to provide you with the cheapest insurance option available amongst the two carriers I’m partnered with.
My Partnered Carriers
Generating a direct quote is easy. All I need to know is your age, gender at birth, and smoker status. At that point, if you’re interested in submitting an application, we could do so together over-the-phone, in-person or through zoom. Whichever is your preference.
In the eight years I’ve been in the business, I’ve always abided by strong morals. So you can be sure you won’t be steered, manipulated, or pressured to making a purchase decision. My job is to consult, not to sell.
If you’re interested in receiving a direct quote, feel free to message me on Whatsapp or click the business card down below to call me at my business cell. Thank you and have a blessed day!
