Term Life Insurance in Texas

Simple, affordable coverage for the years that matter most.

Term life insurance is a smart way to protect your family when they need it most—during the years you’re raising kids, paying off a mortgage, or building a business. At Tatum Insurance Group, we help East Texas families choose term life policies that fit their budget, their goals, and their stage of life.

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Coverage that meets the moment.

Term life offers affordable protection for a set number of years—commonly 10, 20, or 30. If you pass away during the term, your loved ones receive a tax-free payout they can use for anything: mortgage payments, college, or everyday expenses. Whether you're in Frankston, Flint, or nearby, we’ll help you decide how much coverage you need and how long you need it.

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Easy to Understand, Easy to Afford

This policy pays out a lump sum to your beneficiaries if you die during the term. It’s pure protection—with no cash value or investments—making it one of the most affordable ways to protect your family.

Fixed-Term Coverage

Choose from 10-, 15-, 20-, or 30-year policies to match your financial goals.

Level Premiums

Your rate stays the same throughout the life of the policy.

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High Coverage Amounts

Get meaningful protection—$250K, $500K, or more—at a price that fits most budgets.

Convertibility Options

Some policies allow you to switch to permanent life later without a medical exam.

Got questions about term life in Texas?

  • How does term life insurance work?

    It provides coverage for a specific time period. If you die during that term, your beneficiaries receive the death benefit.

  • Is term life good for young families?

    Absolutely. It offers a large amount of protection at a lower cost—perfect for covering kids, debts, and income loss during critical years.

  • Can term life help cover my mortgage?

    Yes—many choose 20- or 30-year policies to match their mortgage term, so loved ones aren’t left with that burden.

  • How much does a $500,000 policy cost at age 30?

    Rates vary, but coverage can be surprisingly affordable—especially if you’re young and healthy. We’ll compare quotes across multiple carriers to find your best rate.