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Curious if a million-dollar term life insurance policy is right for you?

Term life insurance is ideal for financial protection, made to cover your financial obligations like your mortgage, child's education costs, and income replacement. Depending on your lifestyle, a million-dollar policy could protect your family from expenses they wouldn't be able to cover on their own. Requesting a term life insurance quote is the first step to getting your family protected.

You could get $1 million of term life insurance for as low as $18* a month

Million-dollar term life policies are best for...


People with a mortgage,
student loans or debts

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Income replacement for
a surviving spouse


Families with kids
and education costs

Peace of mind that
family is covered

How much does million-dollar life insurance cost?

It's probably less expensive than you think! One of the biggest advantages of term insurance is its affordability. The cost for coverage is different for everyone but you may be able to get term life insurance for as little as $18 a month. How much your life insurance costs will depend on how much coverage you want, how long you need it for, and things like your age and health history.

What are the benefits of getting million-dollar life insurance?

One of the biggest reasons for purchasing a million-dollar term life insurance policy is gaining the peace of mind that your family’s financial obligations will be taken care of, protecting them for years after you’ve passed away. At Legal & General America, we keep our customers needs at the forefront of our life insurance offerings.

You can also lock in one price that is guaranteed to remain the same throughout your selected term. This means that if you are young and in good health, you can secure a lower rate and know that it won’t change in the next 15, 20, 30 or even 40 years. Your coverage is just as reliable as the company that provides it. Legal & General America brings over 70 years of industry experience to the table.


*$18 monthly premium is applicable for 30-year-old female nonsmoker in excellent health purchasing a 10-year OPTerm life insurance policy with a $1,00,000 face amount.  Other sample rates are based on a 30-year-old female nonsmoker in excellent health purchasing $1,000,000 in coverage. Sample rates are updated twice per year; sample rates as of 6.27.2024. Read our legal stuff.

Our competitive rates offer some of the most affordable life insurance policies available:

10 years: $17.06 per month, $200.65 per year30 years: $39.34 per month, $462.88 per year
15 years: $18.53 per month, $217.96 per year35 years: $49.63 per month, $583.94 per year
20 years: $23.44 per month, $275.82 per year40 years: $71.44 per month, $840.52 per year
25 years: $32.02 per month, $376.76 per year 

Life insurance is one of the keys to protecting your family financially. Use this worksheet to help determine the amount of coverage you need.