Term Life Insurance

There's a better way to buy Term Life Insurance.

Term life insurance offers financial protection for your family over a specific period — the term — before expiring. If you die before the term ends, your beneficiary receives a life insurance death benefit that can be used to cover funeral costs, bills, or any other expenses. If you’ve got someone who depends on you financially, it’s important to have life insurance.

Term Life Insurance, Simplified

Empower Federal Credit Union's LPL FInancial Wealth Advisors have partnered with Policygenius. This online marketplace is a one-stop solution for Term Life Insurance.

No need to fill out forms on a dozen different sites: With Policygenius, you can compare quotes, get expert advice, and buy the coverage you need, all in one place.

  • Smart tools. Easily compare personalized quotes from top-rated insurers, side by side. 

  • Human support. The Policygenius team is always available to answer questions, help with paperwork, and discuss your options - no robots here.

  • Unbiased advice. The fully licensed insurance experts at Policygenius aren't biased toward any specific insurer, so you can trust they'll only recommend the coverage you'll actually need. 

Apply in about 10 minutes, and eligible applicants can get covered in as little as a week thanks to a policy option that swaps the standard medical exam requirement for a simple phone call.

Features Policy Overview
Policy duration10 to 40 years
Average cost$21 to $152/month
Guaranteed death benefit?Yes
Cash value?No
BrokerCheck - Find a broker, investment or financial advisor
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC).  Insurance products are offered through LPL or its licensed affiliates. Empower Federal Credit Union and Investment Services & Retirement Strategies at Empower Federal Credit Union are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Investment Services & Retirement Strategies at Empower Federal Credit Union and may also be employees of Empower Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Empower Federal Credit Union or Investment Services & Retirement Strategies at Empower Federal Credit Union Securities and insurance offered through LPL or its affiliates are:
 
Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

Your Credit Union Empower Federal Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
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