Find term life insurance today
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.
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Benefits Summary
- Plans feature transparent and flexible pricing.
- No doctor’s visit needed for plans $100k and under (except for certain pre-existing health conditions).
- You can scale back your coverage if you need to.
- See the full rate table below.
About this insurance
Know the nitty-gritty
What is Term Life Insurance? It’s the simplest, often cheapest type of life insurance. It’s intended to protect the remaining family members in the event that a financial provider unexpectedly passes away.
You pick a term (hence the name) and the amount of coverage you want. The term is for how long you think you’ll need life insurance. For example, suppose you have young children. You’ll want them to be financially covered until they’re old enough to provide for themselves. So you might select a 20-year term life insurance plan.
You’ll pay premiums over the duration of the term. Your family is only eligible to receive a death benefit during the term, and as long as you’re paying premiums. The idea behind term life insurance is that at the end of the term, you generally won’t need life insurance anymore because your dependents will be grown and you won’t have to worry about providing for them.
You’ll need to decide how much “death benefit” your family needs. This might also factor into the type of policy you want to take out. If you’re the sole financial provider, think about how much you make in a year, and then think about how many years you’ll want the policy to be in place. A good rule of thumb is to get coverage for 10x your annual salary. The coverage amount will also vary depending on whether you choose term or permanent life insurance.
As you might suspect, your premium depends on how much “death benefit” your family will receive. So if you’re only looking to leave $50,000 behind to cover taxes, your premium will be a lot less than a $1 million policy intended to support your dependents for several years.
Freelancers Union provides access to Guardian’s term life insurance policy, a flexible, easy-to-use plan designed especially for freelancers.
Our Partner
Guardian
To enroll in term life, you must answer a few basic health history questions when you apply. Based on those answers, you may be asked to provide more detailed health information in an evidence of insurability form. If you apply for more than $100,000 in coverage, you will also need to supply an evidence of insurability form and may be issued $100,000 while a review is ongoing for the higher amount. Once approved, your coverage will increase to the requested amount. If you decide to increase 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 term life coverage can insure children for up to $4,000 per child. The monthly cost per child is $2.52 per month. Coverage level decreases by 50% at age 65, and coverage ends at 70.
Rates
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 |
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
| Coverage | $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 |
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 |
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 |
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THE FINE PRINT (LAWYERS MADE US DO IT)
Freelancers Union, Inc. (FU) is not a licensed insurance agent or insurer. Freelancers Union contracts with Guardian to provide you with life insurance. The information on this Website about life insurance benefits is a summary of applicable terms and conditions that is provided for general informational purposes only. The terms of any products are governed solely by the applicable Member Contract. In the event of any inconsistency between information provided on this Website and the specifics provisions of the Member Contract, the Member’s Contract shall govern.