If tomorrow happened without you, would your family be okay?
The mortgage. The daycare bill. The life you're building together. Term life insurance makes sure it all survives, even if you don't — and with our 100% electronic application, you can have real protection moving in about 15 minutes. No paperwork. No office visits. No waiting weeks wondering.
- Apply, sign & receive your policy — all electronically
- No-medical-exam options for many healthy applicants
- Direct carrier relationships: Columbus Life & Kansas City Life — plus access to 50+ insurers
- Licensed in Arizona, California, Indiana & Michigan · NPN 8514223
Your kids will never remember these years. Make sure they never have to pay for them, either.
Right now, someone depends on your paycheck for the roof over their head, the food on the table and the future you've promised them. If that paycheck disappeared tomorrow, grief wouldn't be the only thing your family inherits — the mortgage, car payments and childcare bills would keep arriving on schedule.
Term life insurance exists for exactly this season of life: big responsibilities, tight budgets, and people who can't afford to lose you. It's pure protection at its most affordable — and every birthday you wait, the price goes up.
From "we should really do this" to policy in hand — without printing a single page
You've been meaning to get life insurance for months. Our all-electronic process, powered by our direct relationships with Columbus Life Insurance Company and Kansas City Life Insurance Company, was built to get it done tonight — from your couch, after the kids are asleep.
60-second survey
Tell us a little about you and your family. We match you to the right carrier, product and coverage amount.
Electronic application
Complete the secure e-application from your phone or laptop in about 15 minutes and e-sign — no printing, no mailing.
Fast underwriting
Many healthy applicants qualify for accelerated underwriting with no medical exam. We track it and keep you posted.
e-Policy delivery
Your official policy is delivered electronically the moment it's issued. Protection in place — promise kept.
Direct relationships. Broad market access.
ASJ works directly with Columbus Life Insurance Company and Kansas City Life Insurance Company — two carriers with century-plus histories of paying claims to American families. Direct relationships mean fewer hand-offs, faster processing, better communication during underwriting, and a local advocate who stays with you from application through policy delivery and every year after. And because we're independent, our broad relationships through multiple insurance marketing organizations give us access to more than 50 insurance companies — so if another carrier fits your health history or budget better, we can place you there instead of forcing a fit.
Term Life vs. Term Life with Return of Premium
Both put a tax-free death benefit between your family and financial disaster. The difference is what happens if you outlive the term — and one of them can give your money back.
| Feature | Term Life | Term Life with Return of Premium (ROP) |
|---|---|---|
| Best for | Maximum protection at the lowest possible cost — ideal for tight family budgets | Families who want protection and the chance to get their premiums back if they outlive the term |
| Monthly cost | Lowest — often the price of a few coffees a week for healthy young applicants | Higher than standard term, but every eligible dollar can come back to you |
| If you pass away during the term | Your family receives the full, generally income-tax-free death benefit | Your family receives the full, generally income-tax-free death benefit |
| If you outlive the term | Coverage ends (renewal or conversion to permanent coverage may be available) | Eligible premiums paid are returned to you, per policy terms — like a forced savings plan with a safety net attached |
| Term lengths | Typically 10, 15, 20 or 30 years — match it to your mortgage or youngest child's timeline | Typically 20 or 30 years, giving premiums time to work for you |
| Application | 100% electronic, e-sign, e-delivery | 100% electronic, e-sign, e-delivery |
What families like yours actually pay for term life
Most people guess life insurance costs 3× what it really does. Here are sample monthly costs** for healthy non-smokers — see where your family fits, then lock in your age before your next birthday raises the price.
Maya, 28 — first baby on the way
Renting in Glendale, one income about to become the only income during parental leave. Wants $500,000 of protection for the next 30 years, until the kids are fully launched.
Dan & Priya, both 35 — house + two kids
New mortgage in Peoria, daycare ×2. Each takes a $750,000 20-year term policy so either income disappearing wouldn't cost the kids their home or their college fund.
Chris, 40 — wants premiums back
Hates the idea of "paying for nothing." Chooses a $500,000 30-year Return of Premium term policy — full protection now, and eligible premiums returned at 70 if he never needs it.
| Age at application | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|
| 25 — Male / Female | $14 / $12 | $21 / $17 | $34 / $28 |
| 30 — Male / Female | $14 / $12 | $22 / $18 | $37 / $30 |
| 35 — Male / Female | $16 / $14 | $25 / $21 | $44 / $37 |
| 40 — Male / Female | $22 / $18 | $37 / $30 | $65 / $52 |
| 45 — Male / Female | $33 / $26 | $58 / $45 | $106 / $82 |
**Sample monthly premiums are market-based estimates for a 20-year level term policy (30-year term where noted) at a preferred non-tobacco rate class, shown for illustration only. They are not quotes and are not tied to any specific carrier. Your actual rate depends on the issuing company, your age, gender, health class, tobacco status, coverage amount and term length, and is determined only after underwriting. Notice the pattern: waiting from 30 to 40 nearly doubles the price of the same coverage — rates are based on your age when you apply, and they never go back down.
How much coverage does your family really need?
Don't guess. Answer five quick questions and see your family's protection number instantly — based on the same income-replacement method professionals use.
Your family's protection number
Recommended term life coverage
Estimate for educational purposes only, not a recommendation or an offer of insurance. Your situation may warrant more or less coverage — a licensed ASJ agent can help you fine-tune the number at no cost.
Shop real term life rates side-by-side, right now
We feature direct relationships with Columbus Life and Kansas City Life for our fastest all-electronic processing — and through multiple insurance marketing organizations, we have access to more than 50 insurance companies. Use the live quoter below to compare real rates from top-rated carriers in seconds. No email required to browse.
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Open the Instant Quoter in a New TabGet your personalized term life quote right now
Answer a few quick questions below. A licensed ASJ agent will match you with the right coverage from Columbus Life or Kansas City Life — and if you're ready, you can start your electronic application the same day.
🔒 Your information is secure, never sold, and reviewed only by a licensed ASJ agent (NPN 8514223).
Term life insurance questions, answered
The most common questions we hear from young Arizona, California, Indiana and Michigan families — answered plainly.
How fast can I get term life insurance in place?
Do I need a medical exam to apply?
How much does term life insurance cost for a young family?
What is term life with Return of Premium (ROP)?
How much coverage do I actually need?
Is the electronic application and e-signature legally valid?
Which states are you licensed in?
Which insurance companies do you work with?
What happens if I outlive my term policy?
Your neighbors in Peoria — protecting families across the Valley and beyond
ASJ Insurance & Financial Services Inc. has been helping families protect what matters since 1998, from our office at 14050 N. 83rd Avenue, Suite 290, Peoria, AZ 85381. We're independent, which means we work for you — not an insurance company.
Proudly serving young and growing families throughout the Phoenix metro:
And because our entire process — application, e-signature, underwriting and policy delivery — happens electronically, we help families in every corner of our licensed states:
The best day to get life insurance was the day your family started depending on you.
The second-best day is today.
Sixty seconds. One survey. A promise kept — delivered electronically, often within days. You'll sleep better tonight knowing it's done.