Find Plans 20-Year Term Life Insurance

Secure long-term coverage to protect your family’s financial future with a plan that grows with you.

How Much Does a 20-Year Term Cost?

A 20-year term life insurance policy from BuzzON Benefits offers competitive premiums to fit your budget.

Example Monthly Premiums for $100,000 in Coverage

Non Tobacco (Age 30)

Starting at $22.64/month

Tobacco (Age 30)

Starting at $26.44/month

Why Choose a
10-Year Term Policy?

A 10-year term life policy provides security and peace of mind for a specific period, helping cover short-term needs. It’s perfect for:

Young Families

Protect your children until they’re financially independent.

Homeowners

Ensure your mortgage is covered in case the unexpected happens.

Near Retirement

Cover your loved ones as you transition to financial independence.

How Does 20-Year Term Life
Insurance Work?

We’re more than life insurance—we’re peace of mind for you and your family. Our policies are designed to protect your loved ones with the simplicity and speed you need.

Simple Online Application

Apply in minutes without any medical exams or lengthy paperwork.

Choose Your Coverage Amount

Flexible options ranging up to $150,000.

Peace of Mind for Two Decades

Lock in your rate and secure coverage for 20 years of financial security.

Frequently Asked Questions

Explore our Frequently Asked Questions for quick answers on policies, claims, and coverage, helping you make informed insurance decisions.

What is guaranteed life insurance?

Guaranteed life insurance is a type of policy that ensures approval regardless of your health history or current medical condition, as long as you meet the membership criteria for Live Well USA. It requires no medical exams or health questions, outside of tobacco user or non-tobacco user, making it an ideal choice for individuals who might otherwise have difficulty qualifying for traditional life insurance. With BuzzON Benefits, you can enjoy peace of mind knowing that coverage is always within reach.

With BuzzON Benefits, you can secure: For Whole Life Insurance, up to $100,000 in coverage. For Term Life Insurance, up to $150,000 in coverage. These flexible coverage amounts are designed to meet your unique needs and help protect your family’s future.

The insurance is offered exclusively through BuzzON Benefits in partnership with Live Well USA. We collaborate with top-rated carriers to ensure you receive reliable and trustworthy coverage. Our commitment is to deliver exceptional service and accessible solutions for every member.

Membership is restricted from individuals engaged in high-risk occupations or activities that significantly impact personal wellness or safety. These may include, but are not limited to, physically hazardous or high-stress roles where long-term health may be compromised. Anyone that is currently on hospice care, in the hospital , or in an assisted living or nursing is not eligible for membership.