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 CFS* 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
Financial Counseling
Free one-to-one sessions that can get your finances moving in the right direction.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA / SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional. Information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.