Affordable Life Insurance Protection for Your Family

Term Insurance Instant Quotes

How to Get Instant Term Life Insurance Quotes


Are You Shopping for Instant Price Quotes on Term Life Insurance Coverage?


If so, it may be quicker and easier than you expected.


It only takes a minute to request and receive your free, instant life insurance quotes online.


In fact, once you fill put the short Quote Request Form and Click on a Button, you will instantly see the lowest prices on term insurance right in front of you on your screen.

Instant Quotes really are Instant, with no delays and no hassles.


We recommend JRC Insurance for your quote comparisons because they have been doing business online for over a decade and they work with a large network of leading life insurance companies. They offer competitive pricing for all types of risks, including but not limited to young adults, families, seniors, and people with health issues.


Comparing Life Insurance Premium Quotes Online


Here are four easy steps to help you shop for life insurance coverage and choose the plan ad insurer that’s right for you.


  1. Request Your Insurance Price Quotes
  2. Compare the Lowest Prices and Best Carriers
  3. Select a Reputable Life Insurance Provider
  4. Choose the Plan That Meets Your Needs and Fits Your Budget


Tips for Term Insurance


  • Selecting a Policy Term – You have the option of choosing life insurance coverage that will provide you with protection for a duration of 10, 15, 20, 25 or 30 years.
  • Compare Pricing – Request and compare the lowest prices available from a network of leading insurance carriers.
  • Choose a Highly-Rated Insurer – Each insurer has a financial strength rating that indicates the financial stability of the company. The higher the rating, the better. Consider selecting a life insurance company rated at least "A" Excellent or better for financial strength by A.M. Best.


Understanding How Term Insurance Works


What is Term Insurance?


Term (temporary) life insurance is a type of coverage that offers protection that lasts for a specific number of years.


Term life is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. 


After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. 


If the life insured dies during the term, the death benefit will be paid to the beneficiary. 


Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.


How to Save Money on Life Insurance


  • Choose Term Life – Permanent life insurance costs up to 5-10 times more than term life coverage.
  • Compare Multiple Insurers – By comparing prices on coverage from several insurers, you may save up to 50% or more on your policy.
  • Choose Annual Payments – There’s usually an additional fee added for making multiple premium payments each year, for monthly or quarterly payments.
  • Duration of Coverage – Make sure to choose the right Policy Term (duration) for your coverage. You may select a term of 10, 15, 20, 25 or 30 years. The shorter your term, the lower your annual cost of insurance.
  • Get Healthy – People with elevated cholesterol levels, and those overweight or obese will be charged a higher rate per $1,000 of coverage.
  • Quit Smoking – Usually, smokers pay up to 5-10 times more for the same amount of coverage compared to non-smokers; however, it varies depending on how much you smoker, and how often.
  • Buy Now – Rates on life insurance increase with age, so it’s a good idea to lock-in a lower rate while you are young and healthy.


Instant Term 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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Disclosure: Compensated Affiliate