Term life: 10 to 35-year plans
Life insurance · Nationwide, Corebridge Financial, North American, Ethos, F&G
Level-premium term life from Nationwide, Corebridge Financial, North American, Ethos and F&G, with terms up to 35 years.
Highlights
- Terms of 10, 15, 20 and 30 years from every listed insurer that offers term
- 35-year terms through Corebridge Financial Select-a-Term, which also offers any term from 15 to 30 years
- Level premiums for the full term
- Many plans let you use part of the death benefit early for a terminal, chronic or critical illness
- Most plans can be converted to permanent coverage without a new medical exam
- Ethos offers an online application, with no medical exam for many applicants
Term life insurance covers you for a set period with a premium that stays level for the whole term. A 30 or 35-year term can cover you until the mortgage is paid and the children are grown. We compare these insurers side by side for your age and health and show you the lowest price for the term you need.
| Insurance company | Plan | Term lengths |
|---|---|---|
| Nationwide | Guaranteed Level Term | 10, 15, 20, 30 years |
| Corebridge Financial | Select-a-Term | 10, 15–30, 35 years |
| North American | ADDvantage Term | 10, 15, 20, 30 years |
| Ethos | Term life | 10, 15, 20, 30 years |
| F&G | Ask your advisor | Quote on request |
| Insurance company | Women | Men |
|---|---|---|
| Nationwide | $70 | $91 |
| North American | $81 | $108 |
| Ethos | $168 | $223 |
| Corebridge Financial | Quote on request | Quote on request |
| F&G | Quote on request | Quote on request |
| Age at application | Women | Men |
|---|---|---|
| 30 | $52 | $64 |
| 35 | $65 | $80 |
| 40 | $82 | $104 |
| 45 | $123 | $159 |
| 50 | $196 | $269 |
| Insurance company | Plan | Sample premium |
|---|---|---|
| Corebridge Financial | Select-a-Term 35 | Quote on request |
Nonsmoker in average health, $500,000 of coverage. Ethos premiums reflect its accelerated, no-exam process for many applicants; a fully underwritten plan may cost less. 35-year premiums are quoted individually. Figures as of October 1, 2026. Source: MoneyGeek, "30-Year Term Life Insurance Cost" (October 2026); term lengths from Nationwide, North American, Ethos and NerdWallet (Corebridge).
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Sample premiums are third-party averages shown for illustration only. They are not quotes or offers of coverage. Your actual premium depends on your age, health, tobacco use, coverage amount, term length and the insurance company's underwriting decision, and it may be higher or lower. Coverage is not in force until a policy is issued. Term lengths, riders and availability vary by state and by issue age. Company and plan names are trademarks of their owners; Skyway FinTech LLC is an independent agency and is not affiliated with or endorsed by these companies.