Term life insurance overview

Protect the people you care about

Term life insurance can help those you leave behind.


What is term life insurance?

Term life insurance provides financial protection for those you care about after you’re gone. If you die during the policy term, it provides a “death benefit” payment to your beneficiaries that can help them with mortgage payments, college tuition or any other need.

How does term life insurance work?

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You pay

You make scheduled premium payments.

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You're covered for a term

Your coverage lasts a specific number of years, usually between 10 and 30.

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They benefit

If you die during the policy term, your designated beneficiaries receive the death benefit.

Key benefits

Financial protection for your beneficiaries if something happens to you.

Typically lower cost than permanent life insurance products.

The death benefit to your beneficiaries is generally free of federal income tax.

Consider term life insurance if:

  • Your family relies on your paycheck.
  • You’re a stay-at-home parent who provides child care and other valuable family support.

Next Steps

Ask your insurance professional if term life insurance from First Symetra is right for you.


Life insurance is issued by First Symetra National Life Insurance Company of New York, New York, NY. Mailing address: P.O. Box 34690, Seattle, WA 98124-1690.

Life insurance policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact your insurance producer for complete details.

Guarantees and benefits are subject to the claims-paying ability of First Symetra National Life Insurance Company of New York.

Although proceeds of life insurance are generally received free of federal income tax by beneficiaries, estate and local taxes may apply. Consult with your attorney or tax advisor for more information.