Term Life Insurance in Idaho

If you’ve got a mortgage, kids at home, or people counting on your income, term life insurance is usually the most powerful and affordable way to protect them.

I’m Chris Antrim, an independent life insurance agent here in the Boise / Treasure Valley area. I help families and business owners across Idaho figure out how much term life they really need, which companies make the most sense, and how to get it done without getting buried in jargon.

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What Is Term Life Insurance?

Term life insurance is temporary coverage that lasts for a set period of time – usually:

10 years
15 years
20 years
25 years
30 years

If you pass away during that term, the policy pays your beneficiaries the agreed-upon amount (the death benefit). If you outlive the term, the coverage ends, and you can either:

Let it end
Sometimes renew at higher rates
Or in some cases, convert to permanent coverage (depends on the policy)

Who Term Life Insurance Is Best For

Term life is usually the right fit if you:

Have kids at home or college on the horizon
Have a mortgage or major loan you don’t want to leave behind
Rely on your income to keep the household going
Want to protect your family during your highest earning years

Most of my Idaho clients use term life to cover:

Income replacement – so your spouse and kids can stay in the home
Mortgage payoff – or at least enough to reduce the payment
Childcare and education costs
Business loans or personal guarantees

We can dial in an amount and term that fits your budget and your actual goals, not some cookie-cutter online calculator.

How Much Term Life Insurance Do I Need?

Common starting points:

10–15× your annual income if you’re the main earner
Enough to pay off the mortgage + a few years of living expenses
Enough to cover kids’ needs until they’re independent

We’ll look at your:

Income
Debts
Number and ages of kids
Time left on your mortgage
Spouse’s earning potential

From there, we’ll build something that covers your biggest risks without breaking your budget.

Picking the Right Term Length

Short version:

10–15 year term – good for older parents, people close to paying off a mortgage, or covering shorter debts.
20-year term – great for younger families or people with middle-school-age kids.
30-year term – often for younger homeowners or those wanting to lock in protection long-term while they’re young and healthy.

We’ll match the term to:

The years your kids are still dependent
The remaining life of your mortgage or big loans
Your approximate retirement timeline

How Health & Underwriting Affect Term Life Rates

Term life is usually the cheapest type of coverage, but your health still matters.

Companies look at:

Age

Blood pressure

Cholesterol

Height and weight

Tobacco use

Diabetes and blood sugar control

Medications and treatment history

The good news? Because I specialize in impaired risk underwriting, I know which carriers are more forgiving with specific conditions. If you’re not “perfectly healthy,” that doesn’t mean we can’t find a good term policy.

If your health is more complex, we might also look at:

- Simplified issue policies (no exam, short applications)

- Smaller coverage amounts combined with final expense or guaranteed issue as back-up options

Life Insurance for Real People with Real Health Issues

Whole life can be:

Fully underwritten (with health questions and sometimes an exam), or
Simplified issue (no exam, just questions), or
In some cases, guaranteed issue (for very small policies and high-risk clients)

As someone with a strong background in impaired risk underwriting, I’ll match your age, health, and goals to the right type of whole life:

Healthy? We might go fully underwritten for better pricing.
Some health issues? Simplified issue might make sense.
Very serious health? We may need to look at guaranteed issue or final expense instead.