Affordable Life Insurance Protection for Your Family

Term Life Insurance Policy Quotes

How to Get Term Life Insurance Policy Quotes


Are you looking for the most affordable life insurance protection?

If so, you’ve come to the right place. It’s quick and easy to compare the lowest prices on term insurance from a network of leading insurers.

Actually, it only takes about a minute to answer a few simple questions and then instantly receive the best quotes.

Start Your Free Quote


How does the term life policy quote process work?

There’s just a few simple steps to find affordable term life coverage.


How Long Does Term Insurance Last?

Term life insurance provides life insurance protection for a specific period of time – usually 10, 15, 20, 25 or 30 years. The longer your term, the higher your annual cost of insurance.

Some term life policies offer renewal, which means if you need coverage longer than your original term, you may extend life insurance for an additional period of up to 10 years, usually.

Term Life Insurance Options – Coverage is available for a period of 10, 15, 20 or 30 years.

Level Premiums and Coverage – The annual premium remains the same each year you are covered, and the amount of coverage stays level until the term of your term life policy expires.

Coverage Amounts – You may choose from $50,000 up to $1,000,000 or more of life insurance protection.

Network of Insurance Carriers – You can compare pricing direct online from a network of 40 of the leading insurance companies.

Instant Pricing Comparisons – You get your free quotes instantly online once you complete the short quote request form.

No Exam Term Life Quotes – You can get a free quote for term life insurance with no health exam required.


Tips to Get the Cheapest Term Insurance Policy


  • Don’t Wait – Rates increase with age
  • Go Shopping – Compare prices among several insurers
  • Buy More Than 6 Months Before Your Next Birthday
  • Low Risk – High-risk hobbies or jobs will increase the cost of your life insurance
  • Be Honest – Answers all questions truthfully on the life insurance application
  • Stay Healthy – Health is an important factor in determining the price you pay
  • Don’t Buy Insurance from a Friend or Relative – find the most affordable plan
  • Pay Premiums Annually Not Monthly – Extra fees for more frequent payments
  • Don’t Buy More Life Insurance Than You Need – Use a life insurance calculator to determine your actual life needs.


Terms for Term Insurance Coverage

The term is the length of time you have insurance protection under a term life policy.

Term life may be available for a period of 10, 15, 20, 25 or 30 years.

The longer your term for coverage, the higher your annual cost, since the likelihood of your passing away increases as you get older.


Rate Factors for Term Insurance

There are several factors that impact the price you pay for a term life policy, including:

  • Amount of Coverage
  • Length of Term
  • Age, Gender and Health
  • Lifestyle, Occupation, Hobbies, Driving Record and Credit History
  • Family Health History, Height-to-Weight Ratio and Tobacco Use


Things to Consider When Buying Life Insurance


Financial Rating – Consider choosing a life insurance carrier rated at least "A" Excellent for financial strength from AM Best.

Reputation – Contact your state department of insurance to inquire about the reputation of the life insurance company you consider buying coverage from. 

Years in Business – A life insurer in business more than thirty years may be more financially secure than a life insurance company established in the last five years.

Size of Insurance Company – An insurer with a larger amount of total assets may be more financially secure than a smaller life insurance carrier.


Term Life Insurance Policy 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

Term Life Insurance Policy Quotes

Term Life Insurance Quotes

Disclosure: Compensated Affiliate