Term Life Insurance
Pure, Low-Cost Protection for a Defined Window
What it is
Term life provides coverage for a specific period (10, 15, 20, or 30 years) with no cash value. Premiums are level and typically 5–15x cheaper than permanent products.
Key features & benefits
$1M+ policies for under $100/month (healthy 30-yr-old).
Switch to permanent coverage later without new medical underwriting.
Get all premiums back if you outlive the term (optional).
Access up to 100% of death benefit if terminally ill.
Crypto-specific uses
Protect your DAO, mining op, or trading firm if a founder passes.
Lenders often require term life equal to loan balance.
Lock in low rates now; convert after the next bull cycle when cash value matters more.
