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âSmallâ term life policies are available with under $50,000 in coverage, but policy amounts can go into the millions. Term life is typically sold in lengths of five, 10, 15, 20, 25 and 30 years. âLevel premiumâ term life means youâre locking in a price for the length of the policy. Typically you will pay a monthly or annual premium to keep the insurance in force. âAnnual renewableâ term life is a one-year policy that renews every year for a higher price.
Consumer Complaints and Reviews. Flawless process for term-life policy, decent customer service. Tried to apply with Protective and it took them 4 month to issue the policy! (Obviously I didn't signed it.) Mutual of Omaha took them only 3 weeks. Money was taken out of my account for my husband life insurance. Called my bank TD Bank.