Term Life

Provided by:

  • Peace of mind for you, your family and your business
  • Coverage for every budget
  • Guaranteed & tax-free: market fluctuations will never affect the amount of your death benefit

Protect your family

Term life insurance offers you and your family financial stability in the case of your death -- with as much support as you need for as long as you choose.

The fine print

Coverage level decreases 50% at age 65, and coverage ends at age 70. You are guaranteed up to $100,000 of coverage upon completed application and payment. If you apply for a higher level of coverage, you will be issued a policy for $100,000 until evidence of insurability has been received and approved by Guardian. Once approved, your coverage will increase to the requested amount. If you decide to change coverage levels, you’ll need to provide evidence of Insurability. Dependents can get coverage once you’re enrolled. Your spouse is eligible for up to 50% of your coverage level and will need to submit evidence of insurability for coverage above $50,000.

Members enrolled in $25,000 coverage can insure children for $2,500 per child. If you get more than $25,000, you can add children for $2,500 or $4,000 per child. The monthly cost per child for $2,500 coverage is $1.64 and $1.93 per month for $4,000 coverage.

Member (non-smoker)

Female Monthly Cost

Coverage $50,000 $100,000 $200,000 $250,000 $300,000 $400,000 $500,000 $750,000 $1,000,000
Under 30 $6.33 $8.05 $11.50 $13.23 $14.95 $18.40 $21.85 $30.48 $39.10
30 - 34 $7.48 $10.35 $16.10 $18.98 $21.85 $27.60 $33.35 $47.73 $62.10
35 - 39 $8.05 $11.50 $18.40 $21.85 $25.30 $32.20 $39.10 $56.35 $73.60
40 - 44 $9.78 $14.95 $25.30 $30.48 $35.65 $46.00 $56.35 $82.23 $108.10
45 - 49 $14.38 $24.15 $43.70 $53.48 $63.25 $82.80 $102.35 $151.23 $200.10
50 - 54 $18.40 $32.20 $59.80 $73.60 $87.40 $115.00 $142.60 $211.60 $280.60
55 - 59 $31.05 $57.50 $110.40 $136.85 $163.30 $216.20 $269.10 $401.35 $533.60
60 - 64 $46.00 $87.40 $170.20 $211.60 $253.00 $335.80 $418.60 $625.60 $832.60
65 - 69 $75.90 $147.20 $289.80 $361.10 $432.40 $575.00 $717.60 $1,074.10 $1,430.60

Male Monthly Cost

Coverage $50,000 $100,000 $200,000 $250,000 $300,000 $400,000 $500,000 $750,000 $1,000,000
Under 30 $7.48 $10.35 $16.10 $18.98 $21.85 $27.60 $33.35 $47.73 $62.10
30 - 34 $8.63 $12.65 $20.70 $24.73 $28.75 $36.80 $44.85 $64.98 $85.10
35 - 39 $9.20 $13.80 $23.00 $27.60 $32.20 $41.40 $50.60 $73.60 $96.60
40 - 44 $12.65 $20.70 $36.80 $44.85 $52.90 $69.00 $85.10 $125.35 $165.60
45 - 49 $17.25 $29.90 $55.20 $67.85 $80.50 $105.80 $131.10 $194.35 $257.60
50 - 54 $29.90 $55.20 $105.80 $131.10 $156.40 $207.00 $257.60 $384.10 $510.60
55 - 59 $48.88 $93.15 $181.70 $225.98 $270.25 $358.80 $447.35 $668.73 $890.10
60 - 64 $77.05 $149.50 $294.40 $366.85 $439.30 $584.20 $729.10 $1,091.35 $1,453.60
65 - 69 $119.60 $234.60 $464.60 $579.60 $694.60 $924.60 $1,154.60 $1,729.60 $2,304.60

Member (smoker)

Female Monthly Cost

Coverage $50,000 $100,000 $200,000 $250,000 $300,000 $400,000 $500,000 $750,000 $1,000,000
Under 30 $7.48 $10.35 $16.10 $18.98 $21.85 $27.60 $33.35 $47.73 $62.10
30 - 34 $9.20 $13.80 $23.00 $27.60 $32.20 $41.40 $50.60 $73.60 $96.60
35 - 39 $10.93 $17.25 $29.90 $36.23 $42.55 $55.20 $67.85 $99.48 $131.10
40 - 44 $14.38 $24.15 $43.70 $53.48 $63.25 $82.80 $102.35 $151.23 $200.10
45 - 49 $21.28 $37.95 $71.30 $87.98 $104.65 $138.00 $171.35 $254.73 $338.10
50 - 54 $28.75 $52.90 $101.20 $125.35 $149.50 $197.80 $246.10 $366.85 $487.60
55 - 59 $48.88 $93.15 $181.70 $225.98 $270.25 $358.80 $447.35 $668.73 $890.10
60 - 64 $68.43 $132.25 $259.90 $323.73 $387.55 $515.20 $642.85 $961.98 $1,281.10
65 - 69 $106.38 $208.15 $411.70 $513.48 $615.25 $818.80 $1,022.35 $1,531.23 $2,040.10

Male Monthly Cost

Age $50,000 $100,000 $200,000 $250,000 $300,000 $400,000 $500,000 $750,000 $1,000,000
Under 30 $9.78 $14.95 $25.30 $30.48 $35.65 $46.00 $56.35 $82.23 $108.10
30 - 34 $13.23 $21.85 $39.10 $47.73 $56.35 $73.60 $90.85 $133.98 $177.10
35 - 39 $15.53 $26.45 $48.30 $59.23 $70.15 $92.00 $113.85 $168.48 $223.10
40 - 44 $21.28 $37.95 $71.30 $87.98 $104.65 $138.00 $171.35 $254.73 $338.10
45 - 49 $32.78 $60.95 $117.30 $145.48 $173.65 $230.00 $286.35 $427.23 $568.10
50 - 54 $60.95 $117.30 $230.00 $286.35 $342.70 $455.40 $568.10 $849.85 $1,131.60
55 - 59 $95.45 $186.30 $368.00 $458.85 $549.70 $731.40 $913.10 $1,367.35 $1,821.60
60 - 64 $140.30 $276.00 $547.40 $683.10 $818.80 $1,090.20 $1,361.60 $2,040.10 $2,718.60
65 - 69 $201.25 $397.90 $791.20 $987.85 $1,184.50 $1,577.80 $1,971.10 $2,954.35 $3,937.60

Spouse (non-smoker)

Female Monthly Cost

Coverage $25,000 $50,000 $100,000 $125,000 $150,000 $200,000 $250,000
Under 30 $3.74 $4.60 $6.33 $7.19 $8.05 $9.78 $11.50
30 - 34 $4.31 $5.75 $8.63 $10.06 $11.50 $14.38 $17.25
35 - 39 $4.60 $6.33 $9.78 $11.50 $13.23 $16.68 $20.13
40 - 44 $5.46 $8.05 $13.23 $15.81 $18.40 $23.58 $28.75
45 - 49 $7.76 $12.65 $22.43 $27.31 $32.20 $41.98 $51.75
50 - 54 $9.78 $16.68 $30.48 $37.38 $44.28 $58.08 $71.88
55 - 59 $16.10 $29.33 $55.78 $69.00 $82.23 $108.68 $135.13
60 - 64 $23.58 $44.28 $85.68 $106.38 $127.08 $168.48 $209.88
65 - 69 $38.53 $74.18 $145.48 $181.13 $216.78 $288.08 $359.38

Male Monthly Cost

Coverage $25,000 $50,000 $100,000 $125,000 $150,000 $200,000 $250,000
Under 30 $4.31 $5.75 $8.63 $10.06 $11.50 $14.38 $17.25
30 - 34 $4.89 $6.90 $10.93 $12.94 $14.95 $18.98 $23.00
35 - 39 $5.18 $7.48 $12.08 $14.38 $16.68 $21.28 $25.88
40 - 44 $6.90 $10.93 $18.98 $23.00 $27.03 $35.08 $43.13
45 - 49 $9.20 $15.53 $28.18 $34.50 $40.83 $53.48 $66.13
50 - 54 $15.53 $28.18 $53.48 $66.13 $78.78 $104.08 $129.38
55 - 59 $25.01 $47.15 $91.43 $113.56 $135.70 $179.98 $224.25
60 - 64 $39.10 $75.33 $147.78 $184.00 $220.23 $292.68 $365.13
65 - 69 $60.38 $117.88 $232.88 $290.38 $347.88 $462.88 $577.88

Spouse (smoker)

Female Monthly Cost

Coverage $25,000 $50,000 $100,000 $125,000 $150,000 $200,000 $250,000
Under 30 $4.31 $5.75 $8.63 $10.06 $11.50 $14.38 $17.25
30 - 34 $5.18 $7.48 $12.08 $14.38 $16.68 $21.28 $25.88
35 - 39 $6.04 $9.20 $15.53 $18.69 $21.85 $28.18 $34.50
40 - 44 $7.76 $12.65 $22.43 $27.31 $32.20 $41.98 $51.75
45 - 49 $11.21 $19.55 $36.23 $44.56 $52.90 $69.58 $86.25
50 - 54 $14.95 $27.03 $51.18 $63.25 $75.33 $99.48 $123.63
55 - 59 $25.01 $47.15 $91.43 $113.56 $135.70 $179.98 $224.25
60 - 64 $34.79 $66.70 $130.53 $162.44 $194.35 $258.18 $322.00
65 - 69 $53.76 $104.65 $206.43 $257.31 $308.20 $409.98 $511.75

Male Monthly Cost

Coverage $25,000 $50,000 $100,000 $125,000 $150,000 $200,000 $250,000
Under 30 $5.46 $8.05 $13.23 $15.81 $18.40 $23.58 $28.75
30 - 34 $7.19 $11.50 $20.13 $24.44 $28.75 $37.38 $46.00
35 - 39 $8.34 $13.80 $24.73 $30.19 $35.65 $46.58 $57.50
40 - 44 $11.21 $19.55 $36.23 $44.56 $52.90 $69.58 $86.25
45 - 49 $16.96 $31.05 $59.23 $73.31 $87.40 $115.58 $143.75
50 - 54 $31.05 $59.23 $115.58 $143.75 $171.93 $228.28 $284.63
55 - 59 $48.30 $93.73 $184.58 $230.00 $275.43 $366.28 $457.13
60 - 64 $70.73 $138.58 $274.28 $342.13 $409.98 $545.68 $681.38
65 - 69 $101.20 $199.53 $396.18 $494.50 $592.83 $789.48 $986.13

Questions?

Email us at membership@freelancersunion.org.