Term Life Insurance | Western Fraternal Life

Term Life

Term Life Insurance is an attractive option for those on a budget needing a large amount of protection while they raise a family, need a plan for business continuation, or have financial obligations.


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Connect with a representative. Call 877-935-2467 or fill out the form below.


Term Life is an affordable option for anyone concerned about covering expenses, both short-term and long term, in the event of death. It is a popular choice for people with children, debt such as mortgages, those with business investments, or other financial needs should they pass away.

Issue Ages:
10 Year: 18 - 70
20 Year: 18 - 60
30 Year: 18 - 50

Term Life is convertible to Whole Life insurance protection any time within the original 10, 20, or 30-year period or prior to the certificate anniversary following age 70, whichever comes first.

Renewal Period:
You can renew your Term Life after the first 10, 20, or 30 years of the original certificate, up to age 95.

Additional Coverage Options (Riders)
Disability Waiver of Premium Rider and Children’s Term Insurance Rider are available. Learn about those riders at this link.


Contact a Western Fraternal Life agent for the best Term Life option for your needs.

All policies and benefits are subject to underwriting.

Life Insurance Calculator

Use this calculator to estimate how much life insurance coverage you need.



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Member Benefits

Western offers exclusive discounts, scholarships, financial assistance, volunteer opportunities, and more.



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Contact an Agent

Find an agent near you, or contact 877-935-2467.




Additional Coverage Options

Learn about riders than you may be able to add to your policy.

Call 877-935-2467 to speak with a Western Fraternal Life Representative.

Western Fraternal Life

1900 First Avenue NE, Cedar Rapids, Iowa 52402
Call us at 877-935-2467 or 319-363-2653
Open Monday-Thursday 7:45 a.m.-4:30 p.m., Friday 7:45 a.m.-1:15 p.m.

Licensed in CA, CO, IL, IA, KS, LA, MI, MN, NE, ND, OH, OK, OR, SD, TX, WA, and WI
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