Get a Term Life Insurance Quote

Wherever you are in your life, we can offer a term life insurance policy to help meet your needs and provide the security you want.

By just answering a few simple questions, you can get a term life insurance quote quickly and easily. And if you qualify, you can even buy life insurance online.

How much term life insurance is right for you?

The amount of coverage recommended depends on the size of the death benefit and your term length . It can provide protection until you pass various milestones, like a child’s college graduation or paying off a mortgage.

How much coverage do I need?

A good starting place for determining how much coverage you need is to add up any financial responsibilities your loved ones would be left with. That could include the cost of a funeral, childcare, a mortgage, college education, outstanding debts or other everyday expenses. Your coverage amounts should account for things you currently pay for or know you will be paying for in the future.

credit cards

We rounded up the best credit cards that can help you build credit, save on interest charges and earn you over $2,000 in five years.

Potential cons to beware of: There is a $250 annual fee if you want to have the American Express® Gold Card. There are other travel-focused rewards credit cards that offer a variety of perks with a much lower fee. However, for non-US citizens, these credit cards may be more difficult to qualify for unless you’ve already established credit in the US.

The statement credits can also be tricky with the American Express® Gold Card. For example, the $10 monthly restaurant credit is only valid at a few chain restaurants and it expires each month (i.e., you can’t save up for one large meal).

What the card offers: Fitting for a travel-focused card, The Platinum Card® from American Express doesn’t have a foreign transaction fee. You can also earn five Membership Rewards points per dollar you spend when you use the card to book flights with the airline or through American Express Travel. 

With this card, you’ll have access to The Centurion® Network, which includes 40+ Centurion Lounge and Studio locations worldwide. These benefits can make traveling much more pleasant and provide a relaxing place to work or unwind before and after flights. 

The card also offers access to Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually; $200 in airline-fee statement credits per year; and $25 back on the Equinox+ digital fitness app or eligible Equinox club memberships every month.

Potential cons to beware of: The annual fee is the biggest con to watch out for. Even with the statement credits and perks, you might not get enough value out of the card to justify spending $695 each year. 

As with the American Express® Gold Card, the statement credits can sometimes be tricky to use (and if you don’t use them you lose the credit). You’ll also earn Membership Rewards points with the card. There are many options for redeeming points, but it’s best to use your points to book travel or transfer your points to a partner program and book a rewards flight or hotel stay. 

 

How to use your new credit card responsibly

There are many reasons to want a credit card as a non-U.S. citizen. Perhaps you want to be able to easily shop online, you’re building credit in the U.S., or you’re planning on making a large purchase and paying it off over time. You might just want a line of credit in your pocket as a backup in case of an emergency.

Whatever your reason for getting a card, responsible and proper card use can help save you money and improve your credit profile. Here are a few simple tips to remember:

• If you can, pay off your balance in full each month to avoid paying interest. And don’t worry, you don’t need to carry a balance to build credit (that’s a myth). 

• Even if you can’t pay the monthly bill in full, be sure to always make at least your minimum monthly payment. This will help you avoid late payment fees and negative marks on your credit reports, which can hurt your credit scores.