At Diversified Insurance Brokers, we help families compare, quote, and apply for term life insurance from top-rated carriers—including Assurity Life. Many shoppers today prefer a fully online process, and Assurity is one of the few insurers that offers a fast, streamlined digital application with competitive pricing, strong policy features, and a smoother underwriting experience than most. If your goal is to protect your family without scheduling an exam or sitting through long phone interviews, Assurity’s term life policy is often one of the most practical options to consider.

This page walks through how Assurity’s term life insurance works, who it tends to fit best, what drives pricing, and how you can instantly quote and apply online using the secure links below. You can also use the Term Life Insurance Calculator to estimate premiums based on your age, health class, coverage amount, and desired term length. If at any point you want help, our advisors can step in—but the entire process can be completed online if you prefer.

We assist thousands each year with term life, high-risk underwriting, final expense insurance, long-term care, and disability coverage. Because we’re independent, we can compare Assurity with 100+ other carriers to make sure you’re getting the best combination of price, underwriting fit, and long-term flexibility. Many people start with Assurity for speed and simplicity, then use us as a second set of eyes to confirm they aren’t leaving a better option on the table.

Term Life Insurance Calculator

Term life pricing can change dramatically based on the coverage amount, term length, and health class. The calculator below lets you run real-time estimates so you can see what different options look like before starting an application.

What Makes Assurity Term Life a Strong Choice?

Assurity’s term life insurance is built for people who want straightforward, affordable protection with minimal hassle. While some carriers still lean heavily on medical exams and slow underwriting timelines, Assurity is often chosen for faster approvals, a clean digital application, and a customer experience that feels less complicated than traditional life insurance shopping. For many healthy applicants, the process can move quickly—sometimes with limited or no exam requirements—depending on age, coverage amount, and underwriting results.

Assurity is also a popular choice for people who care about the long-term stability and reputation of the company behind the policy. As a fraternal-based insurer, Assurity has a values-driven structure that many families appreciate. If you’re comparing Assurity to other carriers and want a broader view of its financial strength and background, you can review: Is Assurity a Good Insurance Company?.

Available Term Lengths and Coverage Options

Assurity term life is designed around the core reasons people buy coverage: protecting income for a spouse or children, covering a mortgage, replacing business cash flow, or creating a safety net during your highest financial responsibility years. Coverage amounts often start around $50,000 and can extend to several million, depending on age, income, health class, and underwriting guidelines.

Assurity commonly offers multiple term lengths such as 10-year, 15-year, 20-year, and 30-year terms. Most policies use level premiums, meaning the price stays the same for the entire term you select. This predictability is one of the reasons term life is such a strong “foundation” product—especially when you’re aligning coverage with a specific timeline like kids finishing school, a mortgage payoff date, or a business transition window.

Many term policies also include the ability to convert to permanent life insurance during an eligible period. Convertibility matters more than many people realize because it provides a “plan B” if your health changes later. Even if you start with term for affordability, the option to convert can keep coverage available when it would otherwise be difficult or expensive to qualify for new insurance.

Key Features of Assurity Term Life

People who choose Assurity often do so for a combination of speed, convenience, and feature set. Depending on the policy version and your eligibility, highlights may include faster underwriting pathways, competitive pricing for many age groups, and the ability to complete the application online without turning it into a drawn-out project. From a planning perspective, the biggest value is that the policy is designed to do what term life is supposed to do: deliver a clear death benefit that protects your family’s financial stability if something unexpected happens.

Assurity policies may also allow optional riders that help tailor the coverage to your family’s needs, and the policy structure tends to be easy to understand compared to some more complex products. If your household is coordinating multiple layers of protection, it may also help to review what to expect from underwriting on our page about life insurance exams, especially if you’re comparing carriers with different underwriting styles.

Who Is Assurity Term Life Best For?

Assurity term life is often a great fit for parents who want income protection for children, homeowners who want to protect a mortgage payoff plan, and young adults who want meaningful coverage at an affordable price while they’re building their careers. It can also be a strong option for business owners who want coverage for key person risk or buy-sell planning, especially when you’re trying to balance speed and affordability.

It also fits people who prefer a fully online application, want to avoid scheduling appointments, and simply want to get coverage in place quickly. That said, underwriting fit still matters. If you have medical history or you’re worried about underwriting flexibility, it can be helpful to compare Assurity against carriers known for stronger niches. Many shoppers explore additional guidance on pages like life insurance with pre-existing conditions, life insurance for smokers, or life insurance for high-income earners depending on what they need.

Optional Riders That Can Add Value

One reason some families like Assurity is the ability to enhance a basic term policy with optional riders. Rider availability varies by state and policy form, but common examples include an accelerated death benefit (helpful if diagnosed with a qualifying terminal illness), riders tied to critical illness or disability scenarios, and coverage options for dependents such as a children’s term rider. The practical benefit of riders is that they can add flexibility without requiring you to purchase entirely separate policies—though in some cases, buying stand-alone coverage can be a better value depending on the need.

If you’re interested in a more detailed look at how critical illness protection works as a separate product category, you can also review our educational content on Assurity’s critical illness coverage and how it can coordinate with disability and health coverage decisions.

How Much Does Assurity Term Life Insurance Cost?

Premiums are based on a few primary factors: your age, gender, term length, coverage amount, tobacco status, and underwriting class. Even small differences in health class can materially affect pricing, which is why using the calculator above is so helpful—you can see estimates instantly and adjust inputs to understand how coverage choices affect monthly cost.

Assurity frequently comes in competitively for healthy non-smokers, and many applicants like that the process can be efficient. If you’re shopping with a specific budget in mind, a simple approach is to decide what monthly premium feels comfortable, then work backwards to find the best term length and death benefit amount within that budget—while still covering your core needs like income replacement, housing stability, and debt payoff.

How to Apply Online

Applying for Assurity term life is designed to be straightforward. Most applicants will follow a simple three-step flow: first, run an estimate using the calculator; second, click the “Start Application” button to begin the digital process; and third, complete the online interview and submit the required information. Many people finish in under 20 minutes, though additional follow-up can be requested depending on coverage size and underwriting results.

If Assurity needs additional information, the request is usually focused on clarifying health history, medications, or routine medical details. If you’d like support at that stage—or you want us to compare Assurity against other carriers based on your underwriting profile—our team can help you navigate the next steps and avoid unnecessary delays.

Related Pages

• Is Assurity a Good Insurance Company?
• Life Insurance with Pre-Existing Conditions
• Life Insurance for High-Income Earners
• What Is a Life Insurance Exam?