Term Life Insurance Quotes

Now, it’s quicker and easier than ever before for you to request free term life insurance quotes online, and view your premiums in less than one minute.

In fact, all you need to do is answer one form to request a quick quote from several top-rated life insurance companies.

After you fill out the easy form, you get your Instant Quotes.

There is no risk, and no obligation. Thousands of consumers shop online for term life insurance each day because it’s simple and straightforward.

Get a Free Life Insurance Quote


There are no delays, no hassles, and no sales pressure. If you have questions, you can request to speak with a licensed life insurance agent.

Term life insurance is the least expensive type of life insurance, because it builds no cash value within the policy. You pay only for the life insurance protection. Term life insurance lasts for a specific number of years, usually 1-30 years.

Term life insurance provides temporary life insurance protection for short term needs, such as, home mortgage loans, car loans, and to fund your kid’s college expenses. If you outlive your term insurance policy, your coverage expires.


What is Term Life Insurance?

Term life is temporary life insurance that lasts for a specific period of time. Term Life lasts for a period of 1 to 30 years. The most common length of coverage is 10, 15, 20 or 30 years.

Term life policies pay your beneficiary the face amount of the policy if you die during the term of your coverage.

For example, a 15 year term life policy with a face amount of $250,000 would pay $250,000 to your beneficiary if you die any time during those 15 years.

Usually, term life costs less than 1/3 what you would pay for the same amount of permanent life insurance.

If you outlive the duration of your term policy, your coverage ends.


How Many Years of Term Life Insurance Do You Need?

Term life offers you the flexibility of choosing coverage for the specific period of time you need protection. You may choose a term of 10, 15, 20, 25 or 30 years for your policy.


Who Buys Term Life Insurance?

Anyone who needs temporary life insurance, is on a budget, or needs the maximum amount of life insurance for the lowest cost usually selects a term life plan.

In addition, many young people, families, homeowners and those who need life insurance for 30 years or less choose term insurance.


Why Do You Need Term Life Insurance?

Many people choose a term policy to provide protection for several different reasons, including the following:

  • To replace their income
  • To pay off a home mortgage
  • To maintain their family’s lifestyle
  • To provide funds for their final expenses
  • To provide for their spouse’s retirement
  • To provide money for their children’s education


How Much Term Life Insurance Do You Need?

This is one of the most important considerations when buying a life insurance policy. Use this life insurance needs calculator to determine your life insurance needs.


What Factors Affect The Cost of Term Life Insurance?

There are several key factors that will impact how much you pay for your coverage. To start, the length of coverage and amount of life insurance affect your cost. In addition, your own personal risk factors affect pricing, including your lifestyle, gender, age, health, tobacco use, driving record, height-to-weight ratio, hobbies and occupation, among other things.

All of these factors will affect your longevity – how long you are expected to live. The longer your life expectancy the lower your cost for life insurance.


Can I Buy Term Life Insurance without taking a Medical Exam?

Yes, there are term life policies available with no physical examination required. In fact, one highly rated insurer offers up to $1,000,000 of term insurance with no exam for people ages 20 to 60.

Although there are no exams required, you will have to answer some questions about your health to help the insurance company determine if you qualify for a policy. Learn more about term life insurance with no exam.


How Much Does Term Life Insurance Cost?

To find out how much a term life policy will cost you can request and compare instant term life insurance rates from leading life insurers through our partner 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.


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.


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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