OUR POLICY TYPES

Simple & smart options for lives that are always changing

Life insurance policies may be more affordable than you think, especially when you’re young and healthy. Get a term life insurance policy today hassle free. Our process is quick, easy, and is done completely online.

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Our Life Insurance Policies

Progressive Life Insurance offers two different types of term life insurance, which allows you the ability to find the policy that’s right for you. Start your personalized quote to see which one may be right for you.**

Flexible Term Life Insurance

Ideal if you’re relatively young, healthy, and think you might experience major life changes like getting married, buying a house, or having children in the next 10 years.*

Term Lengths:: 10 — 30 year terms
Coverage Amounts:: $50,000 — $1,000,000†
Eligible Ages:: 18 — 39 for women and 18 — 35 for men†

†At policy inception

Standard Term Life Insurance

Ideal for someone who knows exactly how much financial protection they need and has already experienced several major life events like getting married or having children.

Term Lengths:: 10 — 30 year terms
Coverage Amounts:: $50,000 — $1,000,000^
Eligible Ages:: 18 — 65 for women and men

Amounts vary; see table below

What am I eligible for? ^{^}

Standard Term Life Insurance Coverage Amounts

Age when you purchase the policy:	Minimum Coverage Amount:	Maximum Coverage Amount:^†
18–39	$50,000	$1 million
40–49	$50,000	$750,000
50–59	$50,000	$500,000
60–65	$50,000	$250,000

†Maximum coverage amount for a Flexible Policy at policy binding is $800,000.

Which policy type is right for me?

When considering Flexible and Standard term life insurance policy types, consider what features matter to you the most.

Policy Type Comparison

Policy Features	Flexible		Standard
Ability to increase your coverage amount in the first 10 years of your policy without reapplying^{*(See Disclosure)}
Future coverage amount adjustments are not impacted by changes to your health or age^{*(See Disclosure)}
Option to decrease your coverage amount at anytime
Power to cancel at anytime
Reliable rates
Update your beneficiaries whenever you like

Ready to get a quote?

Complete the quote process online in just a few minutes. ^{**(See Disclosure)}

Policies underwritten by Progressive Life Insurance Company ("PLIC"). PLIC has sole financial responsibility for its products and obligations, and no parent or affiliate of PLIC has any responsibility therefor.

* Progressive Life Insurance's Flexible policy is a term life policy that allows the insured to request an increase in the coverage amount within the first 10 years of the policy for the following qualifying life events: marriage, divorce, adding a child to your family through birth, adoption or marriage, or purchasing a home that will be used as a primary residence. The coverage amount at initial binding of the policy cannot exceed $800,000. Coverage amount increases must be between $25,000 and $200,000 (in $25,000 increments), and are subject to overall policy and company limitations. Coverage amount increase requests must be submitted to Progressive Life Insurance within three (3) months of the occurrence of the qualifying life event and require proof of the qualifying life event but do not require a new application, medical exams or testing, or a new medical questionnaire. With the health status freeze feature, the new increased coverage amount will be rated at the age and health status of the insured at the time of the initial policy application. Coverage amount decreases are subject to Progressive Life Insurance's minimum coverage amount.

^ Eligibility depends on age, health, and additional underwriting factors. Individuals 40-49 years old are only eligible for a coverage amount up to $750,000; individuals 50-59 years old are only eligible for a coverage amount up to $500,000; individuals 60-65 years old are only eligible for a coverage amount up to $250,000. The exact policy type, coverage amount, and term offered will vary.

** The Progressive Life Insurance quote is illustrative and intended to provide general information about life insurance needs, not a personalized assessment of your specific situation. The information provided does not ensure the availability of or eligibility for any specific product or amount of insurance. The quote is based, in part, and dependent upon the accuracy of the information provided and may not be exhaustive of all circumstances and, for this reason, are not guaranteed. The price may change after completing the full application. The recommendations provided should not be considered financial, tax, estate planning, or legal advice. Please consult a professional advisor to address your particular circumstances.

§ Rates based on Progressive Life Insurance rate tables as of 9/2/2025 and are illustrative and intended to provide general rate information. Actual product and policy rates may vary and require completion of an application and are subject to underwriting approval.

In Alabama, Arizona, Georgia, Indiana, Louisiana, Maryland, Michigan, Mississippi, Missouri, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, Utah, Virginia and Wisconsin: ICC24 Z976 PLIC 0224, ICC24 Z961 PLIC 0224 et al

Simple & smart options for lives that are always changing

Our Life Insurance Policies

Flexible Term Life Insurance

Standard Term Life Insurance

What am I eligible for? ^

Which policy type is right for me?

Policy Type Comparison

Policy Features

Flexible

Standard

Ready to get a quote?

What am I eligible for? ^{^}