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Term Life Insurance

Life is full of unexpected twists and turns. While we can’t predict the future, we can plan for it. That’s where life insurance comes in. Term life insurance is a simple way to make sure your loved ones are protected financially if something were to happen to you. It gives you peace of mind today, knowing your family will have support if the worst should happen.

Term life insurance offers level premiums for a specific period of time, usually 10 to 30 years. If you're just starting out, growing your family or planning your future, term life insurance can be a smart and cost-effective way to ensure financial security.

Who term life insurance is designed for

Term life insurance is ideal for people looking for clear, straightforward coverage without the higher cost of whole life insurance. It’s designed to be flexible, affordable and tailored to your current stage of life.

Here are some common situations where term life insurance makes sense:

  • Starting a family: When you have children or dependents, term life can provide the financial security your loved ones would need in your absence.
  • Buying a home: Many people choose a premium period that aligns with the length of their mortgage to ensure the home can be paid off if they’re no longer around.
  • Budget-conscious households: Term life policies tend to have lower premiums than whole life policies, making them easier to fit into a monthly budget.
  • Protecting peak earning years: During the years when your income is at its highest, a term life insurance policy can help replace that income if something happens.

Flexible term life coverage options

Your life changes, and your insurance should, too. With term life insurance, you can choose a policy that fits your needs and budget. If you need protection for the next decade or beyond, Amica offers options to help you build the right plan.

Available term lengths

You can choose a term that makes the most sense for your life. Amica offers terms of 10, 15, 20, 25 or 30 years. For example, if your child is eight, a 15-year policy could provide protection until they’re independent. Or, if you’ve just taken out a 30-year mortgage, a 30-year policy could help make sure the home stays in the family if something were to happen to you.

Customizable coverage amounts

You decide how much coverage you want based on your needs, like replacing income, paying off debts or funding future education costs. 

Level premium structure

With a term life insurance policy, your premium stays the same for the length of the term. This means:

  • Predictable monthly costs: Your premium won’t go up with age or health changes during the term.
  • More affordable than whole life: Because it covers you for a set period at a fixed rate, term life is usually more affordable than whole life, which lasts your entire life and keeps the same premium throughout.

Key features

Amica’s term life policies come with some helpful benefits:

  • Death benefit: If you pass away during the term, your beneficiaries receive the full policy amount, tax-free.
  • Conversion to whole life insurance: For a limited time, you may be able to convert your policy to permanent coverage without a medical exam if your needs change.1
  • Accelerated benefits to terminal illness: If you’re diagnosed with a terminal illness, you may be able to access a portion of your death benefit early.
  • Streamlined application process: Our process is designed to be simple and straightforward, so you can get coverage with less hassle and more confidence.

Why choose Amica?

The Amica experience

Amica has been helping families for over a century. Our life insurance solutions are built with care and backed by years of financial strength and stability. Choosing Amica means choosing a partner that’s here to help, not just when you buy your policy, but whenever you need us.

Exceptional value

You can count on Amica for coverage that meets your needs. Our term life coverage is tailored to fit your unique needs, with budget-friendly premiums that help secure your family’s future with confidence. Amica offers tailored protection to meet your goals, giving you life insurance options that grow with you.

Quality service

We’re more than just an insurance provider – we’re your partner through life’s journey. From choosing the right coverage to managing your policy, our dedicated representatives have a history of customer satisfaction and are ready to help whenever you need it.

Reliable protection

Amica Life’s strong financial ratings and proven track record, combined with simplified applications and responsive claim support, make planning for tomorrow easier. We’ve also partnered with the Empathy app to offer support and guidance to grieving families.


Common questions about term life insurance

Start by reviewing your current expenses, such as living costs and health care, and then factor in future obligations like your children’s education, retirement planning and funeral expenses. Use our life insurance calculator to get a quick estimate based on your situation.

A medical exam may be required depending on the coverage amount and your health history. Some may qualify for coverage without an exam by completing a health questionnaire or answering a few medical questions.

No. With a level term policy, your price won’t increase during the level premium period. It also won’t increase as you get older or if your health changes. Your premium may increase if you choose to continue your policy past the level premium period.

Yes, you can cancel your term life insurance policy at any time.

The policy doesn’t end when the level term period ends—though your premium may increase . As long as premiums are paid, the policy stays active up to age 100. Your right to continue coverage beyond the level term is guaranteed in the contract.


Insights and guidance for term life insurance


Customer service that earns loyalty

Empathy isn’t just a word – it’s woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.

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or call 800-234-5433

ALIC10825 Jun-27

Life Insurance Policy issued by Amica Life Insurance Company.

1 No medical exam will be required if you meet specific underwriting criteria based on the amount applied for, the responses provided in the simplified application process and the results of our underwriting review. However, we reserve the right to require a medical exam, possibly with blood and/or urine testing at our expense, if we deem it necessary to have such additional information as part of our full underwriting process.
Standard form numbers ICC15 FGCLT01-01 in most states. Some features may not be available in all states.
Standard form number WL2019-01 in most states.

Amica Life policy form numbers