Simple coverage for set years.
Affordable coverage for 10, 20 or 30 years — while your family needs it most.
What's covered.
Every policy is tailored with an agent. Here's an overview of the core protection available.
Death benefit
A tax-advantaged payment to your beneficiaries.
Living benefits
Some policies allow access to benefits during a qualifying illness.
Cash value
Permanent policies build value you can borrow against.
Riders
Add waiver of premium, child term or accidental death coverage.
Make it fit your life.
- Level or decreasing term
- Return of premium
- Child term rider
- Accelerated benefit rider
Better with COSPARK membership.
- Coverage options for every stage of life
- Help choosing the right amount
- Earn Insurance Tokens on eligible annual premium
- Beneficiary support from a dedicated agent
Frequently asked.
How much does term life coverage cost?
Pricing depends on your location, history, the coverage you choose and your deductible. Start a quote and an agent will compare options for you.
Can I bundle term life with other policies?
Yes. Bundling two or more eligible policies usually lowers your total premium and keeps everything in one member dashboard.
Do I earn COSPARK tokens on this policy?
Associate members earn Insurance Tokens equal to 5% of eligible annual premium, and Premium members earn 7%. Free members don't earn tokens. If a policy is cancelled mid-year, that year's Insurance Tokens are forfeited.
How do I file a claim?
Report a claim online any time from the Claims page or your member dashboard. Logged-in members have their policy details filled in automatically.
Ready to price term life coverage?
Get a quote online or talk to a licensed COSPARK agent.