Assurity Life Term Life Insurance
Assurity Life Term Life Insurance
Jason Stolz CLTC, CRPC, DIA, CAA
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. You can also use the Term Life Insurance Quoter below 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. For the foundational resource on what term life insurance is — how it works, how it differs from permanent coverage, and what makes it the most widely purchased life insurance structure — our resource on what is term life insurance covers that educational context before the Assurity-specific details on this page.
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Start Your Online Application Need Help Choosing?Term Life Insurance Quoter — See Real-Term Rates Side by Side
Term life pricing can change dramatically based on coverage amount, term length, and health class. Use the quoter below to run real-time estimates across multiple carriers so you can see what different options look like before starting an application. Assurity is often competitive for many age groups and health profiles — and comparing it alongside alternatives ensures you’re not leaving a better-priced option on the table.
What Drives Term Life Insurance Pricing — Key Underwriting Factors
Even small differences in underwriting classification can create significant premium variations. Understanding what drives the cost before applying helps you set realistic expectations, prepare your health history accurately, and choose the right application timing. The table below maps the key underwriting factors to their impact on term life premiums.
General reference only. Actual underwriting decisions and premium rates vary by carrier, state, and individual applicant profile. Assurity’s specific guidelines may differ from the general patterns described below.
| Underwriting Factor | Impact on Premium | Most Favorable Profile | Less Favorable Profile | Planning Notes |
|---|---|---|---|---|
| Age at Application | Very high impact — premiums increase significantly with each passing year; applying younger locks in lower rates for the full term | 20s and 30s — lowest available premiums across all carriers; even modest coverage amounts are very affordable | 50s and beyond — premiums rise sharply with each birthday; 30-year term is typically unavailable above certain ages | Applying on your birthday creates a full year of savings; “age nearest birthday” rules at some carriers can effectively age you before the birthday occurs |
| Gender | Moderate impact — actuarial tables reflect different life expectancy; most carriers price women meaningfully lower than men at all ages for term life | Female applicants at the same age and health class typically qualify for lower premiums across most term life carriers | Male applicants face higher base premiums at all ages due to actuarial mortality differences | Cannot be changed; factors into selecting coverage amount — a woman may be able to buy higher coverage for the same monthly budget a man would use |
| Health Class / Medical History | Very high impact — Preferred Plus vs. Standard can represent a 30-70%+ premium difference for the same coverage; health class is the single most controllable pricing variable | Preferred Plus: excellent BP, cholesterol, BMI, family history; no significant health history; non-smoker; clean driving record | Standard or table-rated: controlled chronic conditions, elevated labs, BMI outside guidelines, prior health events, or multiple risk factors | Timing application after lab improvements, stable medication periods, or weight loss can produce meaningfully better health class — improving premiums before applying is worth exploring |
| Tobacco / Nicotine Status | Extremely high impact — tobacco rates are typically 50-100%+ higher than non-tobacco rates for the same coverage; nicotine from any source (cigarettes, e-cigarettes, patches, gum) triggers tobacco classification at most carriers | Confirmed non-tobacco for 12-24 months with negative cotinine test result; some carriers allow non-smoker rates for marijuana-only use in certain states | Any tobacco or nicotine use within the carrier’s look-back window; misrepresentation on application can void coverage at claim time | Cessation for 12+ months before applying can qualify you for non-smoker rates at many carriers; after cessation, it’s worth waiting and then applying at the right carrier for maximum rate improvement |
| Coverage Amount | Direct linear impact — higher face amounts produce higher absolute premiums; however, “price per thousand” often improves at higher coverage levels due to carrier pricing tiers | Coverage amounts at carrier pricing breakpoints — often $250K, $500K, $1M — sometimes cost relatively less per thousand than amounts just below the breakpoint | Very large amounts requiring additional financial justification or higher underwriting scrutiny; amounts above carrier non-med limits require full exam | Sizing coverage to the next pricing tier can sometimes provide meaningfully more coverage for a small premium increase — the quoter makes this comparison easy to model |
| Term Length Selected | Moderate impact — longer terms cost more because the carrier commits to a fixed rate for a longer period; a 30-year term typically costs 50-80%+ more than a 10-year for the same face amount and health class | Shortest term that covers the financial obligation you’re protecting — a 15-year term that precisely covers a mortgage or college window produces better value than over-buying | 30-year term at older ages — some carriers restrict 30-year availability above age 50-55; longest term is not always available at all ages | Aligning term length to a specific financial obligation (mortgage, youngest child’s college graduation, business loan) tends to produce the best value vs. open-ended term selection |
| Family Health History | Moderate impact — first-degree family history of early cardiovascular disease, cancer, or other significant conditions can reduce health class at many carriers, even when the applicant personally has no history | Both parents alive past 60-65 with no significant early disease; no early cardiovascular events or cancer in first-degree relatives | First-degree relative with early heart attack, stroke, or certain cancers before ages 60-65 can reduce the available rate class even for an otherwise healthy applicant | Carriers evaluate family history differently — some apply it more aggressively than others; a prescreening conversation can identify which carriers are most favorable for a specific family history profile |
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. 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? For the broader picture of what a no-exam underwriting pathway looks like — and how Assurity’s digital application compares across the no-exam landscape — our resource on no-exam life insurance covers the full category of accelerated and simplified underwriting options across multiple carriers. For the step-by-step guide to applying for term life insurance online — including what to prepare, what questions to expect, and how to navigate the application efficiently — our resource on how to buy term life insurance online is the most practical preparation resource before starting any online application.
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 10-year, 15-year, 20-year, and 30-year terms with level premiums — 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. Before selecting a term length, the most important question to answer is: what financial obligation am I protecting, and over what time horizon? Our resource on how much life insurance do I need covers the methodology for sizing coverage to real household needs rather than guessing. Our resource on how much does life insurance cost provides the baseline market pricing context that helps you evaluate whether the Assurity quote you receive is competitive for your age and health profile.
The Convertibility Option — Why It Matters More Than People Realize
Many term policies include the ability to convert to permanent life insurance during an eligible conversion window — and this feature deserves more attention than most buyers give it. Convertibility matters because life is unpredictable. If your health changes significantly during the term period, purchasing new life insurance at expiration could become difficult, expensive, or impossible. A conversion option removes that risk by allowing you to move into a permanent policy without new medical underwriting — meaning your health at conversion time is irrelevant to qualification. Assurity offers a guaranteed conversion option to permanent life insurance, and understanding how and when to exercise that option is part of a complete term life strategy. Our resource on converting term to permanent life insurance covers the mechanics of how conversion works, what types of permanent policies are typically available at conversion, how to time the conversion decision, and when it makes financial sense to convert rather than simply allowing the term to expire.
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 eligibility, highlights 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. For families with a newborn or young children, the combination of affordable term coverage and Assurity’s digital application process can make this one of the fastest paths to protection — our resource on life insurance for new parents covers the timing and coverage sizing considerations specific to growing families. 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. For a dedicated resource on how key person coverage is structured and whether your business needs it, our guide on what is key person insurance and does your business need it covers that planning context. For the specific buy-sell application — where life insurance is used to fund ownership transition when a business partner dies — our resource on buy-sell life insurance covers how those agreements are structured. 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. For high-net-worth foreign nationals who need term life insurance and face documentation or residency considerations, our resource on life insurance for high-net-worth foreign nationals covers the specific underwriting and documentation framework that applies.
Tobacco, Nicotine, and How They Affect Assurity Underwriting
Tobacco status is one of the largest single pricing variables in term life insurance underwriting — often creating a 50-100%+ premium difference between tobacco and non-tobacco rates for the same applicant profile. Assurity’s underwriting evaluates nicotine use through cotinine testing during the paramed exam, and any source of nicotine — cigarettes, cigars, e-cigarettes, vaping products, patches, or nicotine gum — typically triggers tobacco classification. For applicants who have recently quit or who use nicotine products infrequently, timing the application appropriately can make a meaningful difference in the rate class available. Most carriers, including Assurity, require 12-24 months of tobacco abstinence before qualifying for non-smoker rates, though the specific look-back window varies. For the question of whether marijuana use specifically affects tobacco classification — a nuanced topic where carrier policies vary significantly — our resource on whether marijuana use qualifies for non-smoker rates covers the carrier-by-carrier variation in detail. For applicants who have organ transplant history — where tobacco history intersects with an even more complex underwriting picture — our resource on life insurance for organ transplant recipients covers the underwriting framework that applies to that population.
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. For the disability income rider specifically, comparing the accident-only rider with a standalone disability insurance policy often reveals that standalone DI provides much broader protection at a competitive cost — our companion resource on Assurity Life Disability Insurance covers the standalone product that pairs well with term life. For the accidental death coverage that can layer alongside term life insurance — particularly useful during high-activity or high-travel phases of life — our resource on Assurity Life Accidental Death Insurance covers how that supplemental product works. For buyers interested in critical illness coverage as a standalone protection layer — addressing the financial shock of a serious diagnosis separate from the life insurance death benefit — our resource on how to buy critical illness insurance online covers the Assurity CI product and the online application process.
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 quoter 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 appreciate 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. For households where life insurance premium obligations fit into a broader retirement income plan — including whether annuity income can fund ongoing life insurance premiums — our resource on whether annuity payments can fund life insurance premiums covers that financial integration approach.
How to Apply Online for Assurity Term Life Insurance
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 quoter above; 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.
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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. The Assurity QuickStart platform is designed for a fully self-directed experience — no agent calls, no paper forms, and no scheduled appointments. Healthy applicants applying within Assurity’s accelerated underwriting parameters may receive same-day or next-day approval decisions without a medical exam. If additional information is needed — such as medical records review for certain health conditions, larger coverage amounts, or older applicants — the follow-up process is typically handled through secure electronic requests rather than in-person interviews. The overall timeline from application to coverage decision is often faster than most traditional fully-underwritten term policies, which can take 2-6 weeks when a paramed exam and medical records are involved.
Does Assurity require a medical exam?
Many applicants qualify for Assurity’s no-exam underwriting pathway. Assurity uses an accelerated underwriting process that accesses electronic health records, prescription databases, MVR reports, and the MIB rather than requiring a physical exam and blood draw for qualifying applicants. If additional information is needed based on coverage size, age, or health history responses, Assurity may request medical records from your physician or a paramed exam — but this is the exception rather than the standard path for most applicants. The no-exam availability makes Assurity particularly popular for buyers who want fast coverage decisions and prefer to avoid scheduling a nurse visit. Our resource on no-exam life insurance covers how Assurity’s accelerated underwriting approach compares to other carriers in the no-exam space.
What term lengths does Assurity offer?
Assurity commonly offers 10-year, 15-year, 20-year, and 30-year term durations with level premiums for the entire selected term. Level premiums mean the monthly cost you lock in at application stays fixed for the full 10, 15, 20, or 30 years — regardless of age increases or changes in health during the term period. Availability of all term lengths may vary by age; 30-year terms are typically restricted to younger applicants, and maximum issue ages differ by term length. When selecting a term length, the most practical approach is to align the coverage duration with the specific financial obligation you’re protecting — a mortgage payoff date, a child’s college graduation year, or a business loan timeline — rather than defaulting to the longest or shortest available option.
Can my Assurity policy be converted later?
Yes. Assurity offers a guaranteed conversion option that allows you to convert your term policy to a permanent life insurance policy without providing new medical evidence of insurability. This means your health status at the time of conversion is irrelevant to qualifying — you simply exercise the conversion right within the eligible conversion window stated in your policy. The conversion option has significant long-term value because it provides a path to permanent coverage that would otherwise require new underwriting. If your health changes significantly during the term period, new life insurance may be very expensive or impossible to qualify for — but a convertible term policy allows you to move into permanent coverage without facing that barrier. The most important planning detail is understanding the conversion window (typically available during a defined number of years within the term period) so you don’t miss the opportunity if circumstances change.
Does Assurity offer riders?
Yes. Popular rider options that may be available depending on the policy form and state include an accelerated death benefit rider (allows access to a portion of the death benefit if diagnosed with a qualifying terminal illness), a disability income rider, a critical illness rider, and a children’s term life rider. Rider availability varies by state and policy version. The accelerated death benefit rider is typically included without additional charge in many modern term life designs. Optional riders that add cost — such as disability income or critical illness — should be evaluated against the value of standalone policies, since a dedicated disability insurance policy or critical illness policy often provides broader coverage at competitive cost. Our advisors can help compare the rider option against standalone alternatives based on your specific needs.
How do I know how much coverage I need?
Coverage needs depend on a combination of factors including current income, debts, family composition, future financial obligations, and long-term goals. The most common sizing frameworks are the income multiple approach (covering 10-12 times annual income), the DIME method (calculating Debt + Income replacement + Mortgage + Education), and the financial obligation inventory (listing every major expense your household would face in your absence over the coverage period). For most families, the honest answer is that a specific calculation based on your actual numbers is more accurate than any rule of thumb. Using the term life quoter on this page lets you model different coverage amounts and term lengths side by side so you can evaluate what each costs and whether it fits your budget. Our resource on how much life insurance do I need provides the methodology for working through the sizing calculation in detail before applying.
How does Assurity’s pricing compare to other carriers?
Assurity is frequently competitive for healthy non-smoking applicants, particularly in the mid-age range and for coverage amounts that fit its accelerated underwriting parameters. However, “competitive” in life insurance pricing is highly individual — the best-priced carrier for one applicant profile may not be the best for another. Health class plays the largest role: if Assurity classifies a specific health condition more favorably than another carrier, its price may look significantly better. Conversely, for applicants with certain health histories or specific risk factors, another carrier’s guidelines may produce a more favorable rate class and lower premium. This is exactly why running a multi-carrier comparison through an independent broker — rather than applying to a single carrier without comparing — is the most important step in getting the best available pricing. The quoter on this page reflects multi-carrier data that makes that comparison immediate and easy.
What happens at the end of my Assurity term policy?
When a level-premium term policy expires, the coverage ends. Most term policies have a post-term option to continue coverage on an annually renewable basis — but the cost for that renewal coverage is typically much higher than the level-premium rate, reflecting your increased age and the carrier’s ability to reprice annually. This post-term premium is almost never competitive with purchasing a new policy. At term expiration, your practical options are: let the coverage lapse if you no longer need protection; purchase a new term policy if you still qualify medically at competitive rates; or convert to permanent coverage if the conversion window has not expired. The conversion window is typically the most valuable option for applicants who still need coverage but whose health has changed during the term period. Planning the end-of-term strategy before the policy expires — ideally 2-3 years in advance — gives you the most options and prevents coverage gaps.
Can I apply for Assurity term life if I have health issues?
Assurity considers applicants with a range of health histories, though availability and rate class depend on the specific condition, its stability, how it’s being managed, and other individual risk factors. Some health conditions that result in declined applications at standard carriers may be approvable at Assurity at a table rating, while other conditions that Assurity rates conservatively may be viewed more favorably at a different carrier. For applicants with pre-existing conditions, the most important planning step is not to submit blind applications to any carrier — each declined application becomes part of the MIB record that future carriers can query. A prescreening conversation with our advisors can identify the most favorable available carrier for your specific health profile before any formal application is submitted. Our resource on life insurance with pre-existing conditions covers the strategic framework for approaching underwriting when health history is a factor.
Is Assurity Life a financially stable company?
Yes. Assurity Life Insurance Company has been in operation for over 130 years, is headquartered in Lincoln, Nebraska, and maintains strong independent financial strength ratings. The company operates as a fraternal benefit society structure, which differs from purely commercial insurance companies in its governance model — members have a stake in the organization’s financial health and mission. Assurity’s long operating history, stable financial ratings, and consistent track record make it a credible carrier choice for term life coverage where the contractual commitment can extend 20-30 years. For buyers who want a full assessment of Assurity’s financial ratings, history, and competitive position across its product lines, our comprehensive carrier review covers all of that in one place.
What are the benefits of applying for Assurity through Diversified Insurance Brokers?
Applying through an independent broker like Diversified Insurance Brokers — rather than directly through any single carrier — provides several practical advantages. First, we can run a multi-carrier comparison before you apply so you can confirm Assurity is the best available option for your age, health, and coverage needs rather than assuming it’s the best without comparison. Second, if your health history raises any underwriting questions, we can prescreen informally with carriers before formal applications are submitted — protecting your MIB record from unnecessary declines. Third, if the Assurity application generates follow-up requests, we can help navigate those responses efficiently and reduce the risk of delays. Fourth, if Assurity’s offer comes back with an unexpected rating, we can compare it against alternatives and determine whether a different carrier would produce a better result. The online application experience through Assurity QuickStart remains available for buyers who prefer a self-directed path — our role is purely optional support, available when and if you want it.
Can I start a quote online and finish the application later?
Yes. Assurity’s QuickStart platform is designed with the flexibility to allow you to start the quoting and application process, review what you’ve entered, and return to complete it. Most applicants choose to complete the process in a single session since it typically takes 15-20 minutes, but if you need to step away or gather additional information (such as physician contact details or specific medication names for the health history section), you can typically save and return. The quoter on this page gives you an instant preview of pricing based on key inputs before you begin the full application — so you can compare term lengths and coverage amounts before committing to the application itself.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, and contributions from his agency featured in Kiplinger and GoBankingRates— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Explore More Life Insurance Options: Browse our complete guide to Life Insurance Planning & Education — covering how to buy, costs, calculators, retirement planning & buying guides from 100+ carriers.
Last Reviewed: May 31, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc. | NPN: 14374308 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Editorial Standards: Diversified Insurance Brokers maintains rigorous editorial standards to ensure accuracy, clarity, and independence in all content. Learn more about our editorial standards and commitment to transparency.
