Affordable term life coverage, from a licensed agent near you.
Term life insurance is the simplest way to make sure the people who depend on your income are taken care of if you are not here. With an agent on the Sure & Sound platform, you can get a price, apply, and in most cases get a decision in the same sitting. Your agent is there for the questions, and for the years after.
What working with a Sure & Sound agent looks like.
The old way took weeks: a paper application, a nurse visit, a wait for the mail. On your agent's Sure & Sound page the carrier's questions, pricing, and decision happen in one sitting, with your agent beside you. Quoted is not covered. This is how you leave covered.
Answer a few questions
Your state, your date of birth, your health in broad strokes, and a short set of yes or no questions. About five minutes. Honest answers are what make an instant decision possible.
See your price
A monthly price for the coverage and term you chose, from a carrier your agent is appointed with. Change the amount or the term and the price updates.
Apply, sign, and get a decision
Finish the application, sign electronically, and pay the first month. In most cases the decision comes back while you are still on the call. If an underwriter needs a closer look, your agent follows it through.
Coverage amounts, terms, and eligibility vary by carrier and state. Your agent will tell you which carriers and products are available where you live.
Coverage for the years your family needs it most.
Term life is life insurance without the extras. You choose an amount and a number of years. If you die during those years, your beneficiaries receive the amount, tax free. If you outlive the term, the policy ends and you keep what you did not spend on it.
Why term and not whole life
Whole life bundles insurance with a savings account you pay dearly for. Term life covers the risk and nothing else, which is why the same coverage costs a fraction of the price. Most families are better served by term coverage and their own savings.
How much coverage
A common rule of thumb is ten to twelve times your yearly income. Enough to replace what you earn for the years it takes a family to adjust, pay off the house, and finish raising children. Your agent will help you settle on a number.
How long a term
Long enough to carry the people who depend on you until they no longer do. For most families that is fifteen to twenty years: the mortgage, the children at home, the years before retirement savings can do the job on their own.
A person who answers, today and in ten years.
Plenty of websites will sell you a policy with no one on the other end. We built Sure & Sound the other way around. The technology moves fast so the agent can take the time.
- Licensed in your stateYour agent holds a state license and is appointed with the carriers on their page. That is who stands behind the policy, not a call center.
- Answers before you signHow much, how long, which rider, what the health questions mean for you. Real questions get real answers from someone who has placed hundreds of policies.
- There for the years afterA beneficiary change, a move, a new baby, a claim. Your agent's name is on the policy and their phone number does not change.
- No added cost to youThe carrier pays the agent. The price you see on your agent's page is the carrier's price.
Straight answers, before you talk to anyone.
When should I buy life insurance?
As soon as someone depends on your income: a spouse, a child, a parent, a business partner, a mortgage with another name on it. Price is set by your age and health on the day you apply, so the best time is almost always now.
What is the difference between term and whole life?
Term covers you for a set number of years and does nothing else. Whole life covers you for life and builds a cash value, at a far higher price for the same coverage. Most families get more protection for less money with term and keep their savings separate.
How much coverage do I need?
A common starting point is ten to twelve times your yearly income, then adjust for debt, children's ages, and what your family already has saved. Your agent will walk through the number with you in a few minutes.
How long should the term be?
Long enough to outlast the obligations. If the youngest child is three and the mortgage has twenty years left, a twenty year term carries both. Most people choose fifteen, twenty, or thirty years.
What happens when the term ends?
Coverage ends and so do the payments. By then the plan is that the mortgage is paid, the children are grown, and your savings can do what the policy did. Some policies can be renewed or converted; your agent will tell you what yours allows.
Will I need a medical exam?
Often not. The carriers on the platform use your answers and records to make a decision in minutes for many applicants. Some health histories call for a closer look, and in those cases the carrier may ask for more information or an exam. Your agent will tell you before you apply.
Does a stay-at-home parent need coverage?
Yes. Replacing what a stay-at-home parent does, childcare above all, costs real money. A modest term policy on both parents is a common and sensible choice.
What if I am declined?
A decline from one carrier is not the end. Your agent knows which carriers look at which conditions differently, and can take your application to the right one. That is one of the reasons the platform runs through agents.
Is term life insurance worth it?
If anyone would be worse off without your income, yes. For most healthy adults the monthly price is less than a family dinner out, and what it buys is the certainty that the people you love stay in their home and on their path.
Licensed agents in your area.
Enter your ZIP code. If more than one Sure & Sound agent serves your area, you choose. If you are already working with an agent, use their link, or tell us who they are and we will connect you.
We never sell your information. Your details go to the agent you choose and no one else.
Agents on the platform whose storefront is live and who are licensed in your state.
No agent on the platform serves that area yet.
Tell us who you were working with, or leave your details, and we will make an introduction. This is not an application and does not start one.
Connect me with an agentRead before you decide.
Plain answers on the questions that come up before, during, and after buying term life coverage.
What is term life insurance?
How it works, what it costs, and who it is for, in plain English.
Coming soonHow much coverage does your family need?
A worked example, from income to mortgage to children's ages.
Coming soonTerm or whole life: the honest comparison
What each one does, what each one costs, and why most families choose term.
Coming soonBuilt for the agent in the middle.
A quote-to-issue experience that runs under your name, on your link or your own website. No channel conflict, no platform fee. See how agencies use Sure & Sound and request an invitation.
How Sure & Sound works for agents