Life Insurance Quote for Term

How to Get a Life Insurance Quote for Term 

What is a term life insurance quote?

It’s an estimate of what you will pay for your term life insurance policy.

How do I get a quote for term insurance?

You visit a life insurance provider online, answer some basic questions and instantly receive multiple life insurance rate comparisons from a large network of insurance companies.

Get a Free Quote for Life Insurance


What is included in my term life quotes?

Your life insurance quotes will show you a side-by-side comparison of the lowest prices for your term life insurance policy. Included in the quotes are the life insurance company names, their financial strength ratings, the amount of life insurance coverage, and the annual premiums for the different terms of coverage – 10, 15, 20 and 30 years. 

If you like your quotes you can request further information, apply for a policy, and some life insurers even allow you to buy your life insurance policy direct online without taking any physical examination.

What affects my quote for term life insurance?

Your rate quote for term insurance is based on the amount of life insurance coverage and how long the term will last. The term of the duration of time you will have life insurance with a guaranteed level rate.

Terms for term life coverage usually last for a period of 10, 15, 20 or 30 years.

In addition, your own personal risk factors will affect the rate you pay for coverage.


Personal Risk Factors that Affect Life Insurance Pricing

  • Your Age
  • Your Gender
  • Occupation and Hobbies
  • Lifestyle
  • Height-to-Weight Ratio
  • Tobacco use
  • Driving Record
  • Health
  • Family Health History


Note: Each life insurance company has their own set of pricing guidelines so there is not one best company that offers the lowest rates for term life insurance for everyone. That’s why comparing rates among several insurers may help you to find the most affordable plan.


Term Life Insurance Quotes 


Top Pick – Wholesale Insurance

Wholesale Insurance lets you shop, compare and save on life insurance. For more than 30 years, Wholesale Insurance has helped more than 500,000 American families protect their futures. Compare the best life insurance rates from 40 top carriers with just one click. 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.

Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children
  • No Medical Exam. Just a Few Y/N Health Questions
  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.

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Life Insurance Quote for Term


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