Cheap Term Life Insurance Policies

Tips for Finding Cheap Term Life Insurance Policies

What are the cheapest term life insurance policies?

There are several types of term life insurance including:

  • Annual Renewable Term Life Insurance
  • Level Term Life Insurance
  • Decreasing Term insurance

The cheapest type of term insurance is annual renewable term life insurance.

This is one-year term insurance that renews each year for a higher premium.

If you need term insurance for more than 1 year, you may want to consider level term insurance that provides guaranteed level premiums and coverage for 10, 15, 20 or 30 years.

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How do I get cheap term life insurance quotes?

You can compare quotes for term life insurance online by visiting a life insurance quote provider. Several leading life insurance quote providers include InsureMe, AccuQuote, WholesaleInsurance and Termfinder.

WholesaleInsurance offers free quote comparisons from their network of 40 highly-rated life insurance companies.

You just answer some basic questions about your life insurance need and you receive the best term life insurance rate quotes from leading life insurers. Get your free life insurance quotes online.


What is term life insurance?

Term life insurance offers life insurance protection for a specific number of years. It builds no cash value, you pay only for the life insurance.

That's why term life is less expensive than permanent life insurance. That means you can afford more protection for your loved ones.

  • Term life insurance lasts for a specific number of years, from 1-30 years. The most common terms are 10, 15, 20 or 30 years.

  • Term life insurance policies pay the beneficiary the face amount of the life insurance policy if the insured person dies during the term of the policy.

    For example, a 15-year term life policy with a face amount of $250,000 would pay $250,000 to the beneficiary if the insured died any time during those 15 years.

  • Usually, term life insurance costs 2-3 times less than permanent life insurance.

  • If you outlive the term of your life insurance policy, your coverage ends.


Top Pick – WholesaleInsurance
Compare the best term life insurance quotes from 40 of the leading life insurance companies in less than 2 minutes. Save up to 73%. Request your free quotes for term life insurance.


Highly Recommended – Haven Life

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best


Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.



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