Term Life Insurance
from Oros Life
Protect what matters most—because life doesn’t always go as planned.
Term Life Insurance through Oros Life provides cost-effective coverage for a specific term, so your family stays financially protected if life takes an unexpected turn.
Simple. Affordable. Trusted.
Table of Contents
What Is Term Life Insurance?
Term Life Insurance from Oros Life offers protection for a specific number of years like 1, 10, 15, 20, or 30 years. It’s a great option if you want affordable, straightforward coverage without the lifelong commitment of a whole life insurance policy.
Here’s how it works:
- The coverage period is completely in your hands.
- Your payments (called premiums) stay the same throughout the entire term, unless you decide to make changes.
- If you pass away during the term, your loved ones (beneficiaries) will receive a tax-free death benefit.
- Term life insurance is known for being one of the most affordable ways to protect your family’s future.
Types of Term Life Insurance Plans
Everyone’s needs are different. At Oros Life, we shop the top rated life insurance companies to find the coverage that fits your needs and your budget.
- Fixed Term : This is the most common and budget-friendly option. Choose 1, 10, 15, 20 or 30 years of coverage with a fixed premium. Your rates won’t change for the length of the term.
- Increasing Term : This option lets your death benefit grow over time. It’s great if you want your policy to match growing responsibilities (like a growing family or rising expenses). Premiums go up slightly over the years, but so does the payout.
- Decreasing Term : With this plan, the coverage amount goes down gradually—often used to match decreasing debts like a mortgage. Since the risk lowers over time, premiums can be more affordable. It’s ideal for people who expect fewer financial needs later in life.
- Annual Renewable : This short-term plan renews every year. Premiums may increase each time it renews, but it’s perfect for temporary needs or while transitioning between jobs or life stages.
Term Life Insurance vs. Whole Life Insurance
Choosing a life insurance plan? One of the biggest decisions you’ll make is whether to go with Term Life or Whole Life Insurance. Are you confused about the difference between term and whole life insurance? Oros Life makes it easy to understand term and whole life insurance, so you can pick the plan that truly matches your needs.
- Term Life Insurance : Wondering what term life insurance means? Term life insurance policies offer coverage for a specific time period — like 1, 10, 15, 20 or 30 years. It’s a great option if you want affordable protection for your loved ones during your most important years.
- Lower premiums than whole life
- Choose a term length that fits your needs
- If you pass away during the term, your family receives the full death benefit
- Coverage expires at the end of the term, with no return of the premiums you’ve paid
This type of insurance is ideal for people who want simple, affordable coverage while raising kids, paying off a mortgage, or securing income replacement.
Term policies can also include flexible options like increasing or decreasing coverage, giving you control over how your benefits change as your life evolves. You can even pair term life insurance with other financial tools to create a more personalized plan.
- Whole Life Insurance : Whole Life Insurance lasts your entire life — no matter when you pass away. It also comes with a guaranteed cash value that grows over time.
- Higher premiums, but lifetime protection
- Guaranteed death benefit for your family
- Builds cash value you can access while you’re still alive
- Premiums stay the same for life
Whole life is often viewed as a long-term financial asset. The built-up cash value can serve as extra financial support for retirement, debt clearance, or unexpected bills. This option is ideal for anyone seeking lifelong protection combined with financial growth in a single plan.
Why Choose Term Insurance from Oros Life?
Term life insurance policies from Oros Life are flexible, reliable, and designed to fit your life.
Here’s what makes it a smart choice:
- Competitive rates that work with your budget
- Choose your term: 1, 10, 15, 20 or 30 years
- Scalable options like increasing or decreasing coverage
- Protect your family the smart way, without overspending.
You’ll also enjoy the freedom to update or upgrade your policy as your lifestyle, family, or financial goals change. Whether you’re newly married, buying your first home, or starting a family, Oros Life is here to support you every step of the way.
Get Your Free Quote
At Oros Life, we make it easy to get life insurance that gives you confidence — without the stress. Our team is here to help you find the right plan for your needs and budget.
Start now with a FREE quote at oroslife.com — and protect the people who matter most.
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- Trusted by 1000+ Florida Families
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- BBB Accredited Business
How It Works with Oros Life
Getting life insurance shouldn’t be complicated. At Oros Life, we make it quick, easy, and stress-free—from getting the best term life quotes to securing coverage
Get Your Free Quote
Start by answering a few quick questions to get your personalized monthly price estimate.
Takes about 2 minutes
Takes about 2 minutes
Apply Online
Use your estimate to begin the secure online application. You’ll fill in personal and medical history details, then sign and submit them.
Pro Tip: Have your basic medical info ready to speed things up.
Estimated time: 15–20 minutes
Pro Tip: Have your basic medical info ready to speed things up.
Estimated time: 15–20 minutes
We Review Your Application
Some people get approved right away! In other cases, we may email you for more details or schedule a medical exam. Don’t worry — we’ll guide you through it.
Timeline: Immediate to a few weeks, depending on your case
Timeline: Immediate to a few weeks, depending on your case
Receive Your Offer
Once approved, you’ll get a personalized policy offer in your inbox with your final monthly cost. Like what you see? Just accept, make your first payment, and you're officially covered!
Protection starts as soon as you accept your policy.
Protection starts as soon as you accept your policy.
Ready to begin?
Get your free quote now at oroslife.com and take the first step toward
protecting your future.
Protecting Tomorrow, Today. ™
Life Insurance In 3 Easy Steps
Life Insurance In 3 Easy Steps
1/3: Tell us about yourself
2/3: Get tailored options
3/3: Activate your coverage
Why Choose Oros Life?
When it comes to protecting your future, you deserve a partner you can count on. At Oros Life, we go beyond just policies — we provide confidence, care, and real value.
Instant Rate Comparison
We shop competitive rates so you don’t have to — saving you time and money from the start.
Comprehensive Coverage
Whether you’re securing your family’s future or planning long-term goals, our coverage options are built around what matters most to you.
Expert Assistance
Our friendly, experienced agents are here to walk you through every step — no pressure, just honest help when you need it.
Peace of Mind
With Oros Life, you’re not just buying life insurance — you’re gaining confidence that your loved ones will be protected, no matter what.
Select Term Life Insurance
With Oros Life, you can choose between 1, 10, 15, 20 or 30 years of coverage with a guaranteed death benefit. You pick the length of time that fits your needs or term life insurance cost, whether you’re planning around family, a mortgage, or future financial goals.
Even after the initial term ends, most policies give you the option to keep your policy active (at a higher cost), with continued coverage available up to age 95.
Explore Select Term Life Insurance Options
1-Year Term
- Ultra-short protection for immediate or temporary needs
- Ideal for covering loans, travel, or transition periods
10-Year Term
- Ideal for short-term needs or temporary financial responsibilities
- Quick and affordable protection
15-Year Term
- Great middle ground for covering children’s schooling or early mortgage years
- Offers a balance between cost-effectiveness and longer security
20-Year Term
- Great for growing families and mid-range financial planning
- Long enough to cover major life milestones
30-Year Term
- Best for long-term security and income replacement
- Locks in extended peace of mind for your loved ones
Learn more and get started today at oroslife.com
Protection that fits your life — and grows with you.
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FAQ – Oros Life
What is term life insurance and why do I need it?
Life insurance helps protect your loved ones financially if something happens to you. It can cover everyday expenses, debts, future education costs, and more.
What kinds of life insurance can I get at work? how does term life insurance work?
Many employers offer a group of Best term life insurance. While this is a great start, it may not provide enough coverage for your full needs.
What are the advantages of purchasing life insurance through work?
It’s often low-cost and easy to get, but the downside is that it usually ends if you leave your job. That’s why personal coverage from Oros Life offers long-term peace of mind.
What are the benefits of term life insurance?
Term life insurance is affordable, flexible, and simple. You choose how long you want coverage (1, 10,15, 20 or 30 years), and your loved ones receive a death benefit if you pass during the term.
How much life insurance do I need?
It depends on your income, debt, number of dependents, and future goals. A good rule of thumb is 10–15x your annual income.
How much does life insurance cost?
The cost varies based on your age, health, lifestyle, and coverage amount. At OROS, we offer competitive rates and instant online quotes.
Can I get life insurance without a medical exam?
Yes! Oros Life offers no-medical-exam options depending on your eligibility and policy type. It’s fast, easy, and 100% online.
What’s the difference between term and whole life insurance?
Term life covers you for a set time (like 20 years). Whole life covers you for life and builds cash value. OROS can help you compare both options, whether term vs whole life insurance.
Is life insurance taxable?
In most cases, the death benefit your beneficiaries receive is not taxed. It’s a smart way to leave behind a tax-free legacy.
How do I get started with Oros Life insurance?
It’s easy! Just answer a few questions to get your free term life insurance quotes online. If it looks good, complete your application and you could be covered in no time.