Assurity Life Term Life Insurance
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 rates, strong policy features, and a smooth underwriting experience. If you want to protect your family without scheduling an exam or speaking with an agent, Assurity’s term life policy is one of the best options available.
This page explains how Assurity’s term life insurance works, who it’s best for, how much coverage costs, and how you can instantly quote and apply online using our secure links. You can also use the Term Life Insurance Calculator below to estimate premiums based on age, health class, and desired coverage.
If at any point you want personal help, our advisors are here to guide you—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, and we can compare Assurity with over 100 other carriers to ensure you’re getting the best combination of price and protection.
Apply Online for Assurity Term Life Insurance
Prefer a self-service experience? You can quote and apply 100% online through Assurity’s secure QuickStart portal.
Start Your Online ApplicationNo agents required — unless you want help.
Term Life Insurance Calculator
What Makes Assurity Term Life a Strong Choice?
Assurity’s term life insurance is designed for people who want straightforward, affordable coverage with minimal hassle. Unlike some carriers that require a medical exam or lengthy interviews, Assurity is known for faster approval times, strong customer satisfaction, and digital convenience. For healthy applicants, coverage can often be issued within days—not weeks.
Assurity is also a popular choice for people who prefer a values-driven company. As a fraternal-based insurer, Assurity is structured to prioritize policyholders, community programs, and long-term financial stability. Many clients who compare Assurity to other carriers like to review our page Is Assurity a Good Insurance Company? to understand more about its financial strength and reputation.
Available Term Lengths & Coverage Options
Typical coverage amounts range from $50,000 to several million, depending on age, health, and income. Assurity offers multiple term durations:
- 10-year term
- 15-year term
- 20-year term
- 30-year term
All options come with level premiums, meaning the price stays the same for the full term. Many policies also include guaranteed convertibility to permanent life insurance—helpful if your health changes later.
Key Features of Assurity Term Life
- Fast underwriting with no-exam options available for many applicants
- Competitive pricing for most age groups
- Strong riders such as accelerated death benefit, critical illness, and disability riders
- Online application that can be completed in minutes
- Convertible coverage to help maintain protection for life
Who Is Assurity Term Life Best For?
This coverage is ideal for:
- Parents needing income protection for children
- Homeowners looking to protect a mortgage
- Business owners needing key person or buy-sell protection
- Young adults wanting inexpensive coverage
- People who prefer a fully online application
- Anyone comparing policies for affordability and simplicity
If you have health conditions, our team can help compare Assurity with insurers known for more flexible underwriting. Many people exploring term life also review our pages on pre-existing conditions, life insurance for smokers, or coverage for high-income earners depending on their situation.
Optional Riders That Add Value
Assurity includes and offers several riders, such as:
- Accelerated Death Benefit – access part of your benefit if diagnosed with a terminal illness
- Critical Illness Rider – receive funds if diagnosed with covered major illnesses
- Disability Income Rider – protects income if you become disabled
- Children’s Term Rider – adds coverage for dependents
These riders make Assurity especially appealing for families who want added financial security beyond the base death benefit.
How Much Does Assurity Term Life Insurance Cost?
Premiums vary by age, gender, health class, and term length, but Assurity consistently ranks among the most affordable carriers for non-smokers and healthy applicants. Use the calculator above to see real pricing estimates instantly.
How to Apply Online
You can apply for Assurity term life insurance in three simple steps:
- Run a quote using the calculator
- Click “Start Application” to begin the digital process
- Complete the online interview and submit required info
Most applicants complete the entire process in under 20 minutes. If Assurity needs additional information, one of our advisors may reach out to help finalize approval.
Need Help Choosing the Right Coverage?
If you’d like expert help comparing Assurity with 100+ other insurers, request personalized guidance here:
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FAQs: Assurity Life Term Life Insurance
How long does Assurity’s online application take?
Most applicants complete the online application in 15–20 minutes. Healthy applicants may receive fast approval without a medical exam.
Does Assurity require a medical exam?
Many applicants qualify for no-exam underwriting. If additional information is needed, Assurity may request medical records or a brief exam.
What term lengths does Assurity offer?
You can choose 10-, 15-, 20-, or 30-year term durations with level premiums for the entire term.
Can my Assurity policy be converted later?
Yes. Assurity offers a guaranteed conversion option to permanent life insurance without new medical underwriting.
Does Assurity offer riders?
Yes. Popular riders include accelerated death benefit, disability income, critical illness, and children’s term riders.
How do I know how much coverage I need?
Coverage needs depend on income, debts, family goals, and long-term obligations. You can use the term life calculator or request personalized help.
