Term Life Insurance Quote
Get a term life insurance quote that fits your budget and protects your family. We compare rates from 50+ carriers to find affordable coverage that gives you peace of mind.
Term life insurance is straightforward. You pay a premium. If you die during the term, your family receives a death benefit. No cash value. No investment component. Just pure protection at an affordable price.
That simplicity makes term life the most affordable way to protect your loved ones.
How Term Life Insurance Works
You choose a term length that matches your needs: 10, 15, 20, 25, or 30 years. You choose a death benefit amount based on how much protection your family needs. You pay a fixed premium for the entire term.
If you die during the term, your beneficiary receives the full death benefit, typically tax-free. They can use it however they need: pay off the mortgage, cover daily expenses, fund college education, or maintain their lifestyle.
If you outlive the term, the policy ends. No payout. But you can usually renew (at higher rates based on your current age) or convert to a permanent policy without a new medical exam.
Who Needs Term Life Insurance?
• Parents with young children - Protect your kids' futures if something happens to you.
• Anyone with a mortgage - Your family shouldn't lose the house because they lost you.
• Breadwinners whose income supports the family - Replace your income for the years your family needs it.
• Business owners with partners or loans - Fund buy-sell agreements or cover business debts.
• Anyone who wants affordable protection - Term delivers maximum coverage per premium dollar.
• Stay-at-home parents - The economic value of childcare, housework, and family management is real.
How Much Coverage Do You Need?
A common rule of thumb: 10-12 times your annual income. But your situation is unique. Consider these factors:
• Outstanding debts - Mortgage, car loans, student loans, credit cards.
• Future expenses - College tuition, weddings, and ongoing childcare.
• Income replacement - How many years does your family need support?
• Existing savings - Retirement accounts and investments reduce the need.
• Social Security survivor benefits - Factor in what the government provides.
We help you calculate the right amount. Enough to protect your family, not so much that you're overpaying.
What Affects Your Term Life Rate?
• Age - Younger is always cheaper. Rates increase every year you wait.
• Health and medical history - Better health means lower rates.
• Smoking status - Smokers pay 2-3 times more than non-smokers.
• Term length - Longer terms cost more per year.
• Coverage amount - More coverage costs more.
• Gender - Women typically pay less because they live longer statistically.
Why Compare Carriers?
Each carrier uses different underwriting criteria. One might penalize high blood pressure heavily. Another might be lenient on cholesterol. Some reward fitness. Others don't care. We know which carriers favor which profiles and match you accordingly.