Affordable Life Insurance Protection for Your Family

Looking for Term Life Insurance

Are You Looking for Term Life Insurance?

If so, you’ve come to the right place. We can help you learn how term insurance works, review options for saving money on your policy, and compare pricing from several of the leading term life carriers in the U.S.A. in just a couple minutes.

What is Term Life Insurance?

It’s a type of life insurance policy that provides you with temporary protection lasting for a duration of up to thirty years.

What are My Options for How Long My Term Policy Will Last?

Depending on your age and health, you may be able to choose a "Policy Term" (Duration of Coverage) lasting for a period of 10, 15, 20, 25 or 30 years.

How Does Term Life Insurance Work?

Term life insurance provides you with temporary life insurance for a specific number of years. You can choose coverage for a "Term" of 10, 15, 20 or 30 years.

Term life builds no cash value inside the policy, it is not an investment, it is "Pure Protection", paying out a death benefit upon the death of the insured person. Term life usually costs 2 to 3 times less than permanent life insurance.

Term life is the lowest cost type of life insurance policy available.

Term life policies pay the beneficiary the face amount of the term life 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 $350,000 would pay $350,000 to your beneficiary if you die any time during those 10 years the insurance policy is "In Force"

If you're alive at the end of the policy term, the coverage ends with no payout. 


What is The Most Affordable Type of Term Life Policy?

Level term life insurance, which is the most popular type of term policy, offers the lowest rates for life insurance coverage provided by a temporary (term life) plan.


How Can I Save Money When Buying Term Life?

There are several tips you may wish to use in order to lower the cost of your temporary (term) life insurance coverage, including but not limited to the following:


  • Compare Rates – By comparing rates you may save up to 70% on your life insurance because each insurer has their own set of rates, and rates can vary quite a bit between companies.
  • Choose Term Life – Term life insurance is the cheapest form of coverage offering the lowest rates by far, compared to permanent life insurance.
  • Don’t buy more Life Insurance than you need – Use a life insurance needs calculator to determine how much life insurance you really need.
  • Choose Annual premium payments – They are lower than paying monthly premiums. The insurance company charges a finance fee for monthly payments. 
  • Quit Smoking – Smokers pay 2 to 3 times more for the same amount of life insurance compared to Non-smokers. So, if you smoke, it pays to quit smoking.
  • Get Healthy – Lower your cholesterol level and your weight to qualify for lower rates on your life insurance.
  • Buy at least 6 Months Before Your Next Birthday – Rates are based on your age closest to your birthdate. So, if you buy within 6 months of your next birthday, you will be charged based on that age, not your current age.
  • Buy Coverage While You are Young and Healthy – Rates for younger adults are lower, and healthy people get lower rates on life insurance than those with health issues.


Can I Buy Term Insurance without taking a Medical Exam?

Yes, if you qualify for coverage, you may purchase a no exam term life policy. Usually, people of average health or better, between the ages of 20 to 60, may qualify for this type of term policy.


Can I Buy Term Life Coverage Online?

Yes, if you qualify, you may purchase your term policy over the internet. 


Can I Start My Term Insurance Policy Today?

Yes, if you qualify you may begin your life insurance coverage today, by applying for and buying an instant issue term life policy.


How Can I Compare the Best Rates for Term Coverage? 

The quickest and easiest way to compare the best (lowest) pricing for term policies is to request a free term life quote comparison online by visiting a life insurance website and filling out a Quote Request Form

Then, you just click on a button and instantly see the lowest pricing available from several of the leading life insurance carriers, based on your specific information.


Term Life Insurance Quotes


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.


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