Term Life Insurance

No hassles, and no headaches. Just free quotes. Instantly.

Why Choose QuickQuote for Term Life Insurance?

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Save Money

Get the best rates by comparing quotes from the nation’s top term life insurance companies. 100% free.

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Save Time

Provide some very basic info and get instant term life insurance quotes. No phone calls. No hassles. No charge.

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Anonymous Quotes

Tired of giving your name, email, and phone number to every website you visit? Us, too. That’s why we don’t ask you to.

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Apply Online

Apply online and sign electronically at your convenience. No paperwork and no meetings with an agent.

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Apply by Phone

Select an appointment time, and we’ll call you to complete the application. No surprises, interruptions, or screening calls.

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We Shop

To get the best term life insurance rate, you need to shop with multiple companies. We make it easy by doing it all for you.

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How Much do I Need?

Find out how much term life insurance you need with our instant calculator, or speak with us by phone.

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Will I Qualify?

If you’re like 95% of our applicants, yes, you’ll qualify for term life insurance. It’s fast and easy to find out.

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No Spam. Ever.

We respect your inbox and voicemail. And your privacy in general, really. Which is why we won’t bother you.

72% of Americans overestimate the cost of life insurance by an average of 3x the actual cost!

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Based on the 2017 Insurance Barometer study by LIMRA

Answers to Your Term Life Insurance Questions

What is term life insurance?

Term life insurance is the most basic and least expensive form of life insurance you can buy. There are no investment accounts, cash values or policy loan features on term life. Just pure and simple life insurance protection.

You can choose a term length of 10 to 40 years, and a coverage amount of $25,000 to $25M or more.

How much does term life insurance cost?
Term life insurance is inexpensive relative to other types of life insurance such as whole life or universal life. Your cost will depend on factors like age, gender, medical history, current health, tobacco use, driving record, and more.

The life insurance company will assign a rating class to your policy during the underwriting process. This class will determine how much you will pay.

How do I buy term life insurance?
You can buy term life insurance from an independent agent or broker (like us), from a captive agent (think Allstate or Farmer’s), or directly from a life insurance company, although very few sell directly to consumers.

The important thing to keep in mind is the cost is the same to you regardless of who you buy the policy from. Rates are set by the life insurance companies and approved by state insurance departments. Agents and brokers cannot adjust these rates up or down. However, they can help you find the lowest rate based on your unique circumstances.

How do I apply for term life insurance?
The term life application process is simple. We’ll do most of the heavy lifting for you.

  1. Select a company – Pick your favorite and click “Apply.”
  2. Schedule your application call – We’ll give you the calendar, you pick the day and time to complete your application with us by phone.
  3. Complete your paramed exam – We’ll schedule this during your call. All you have to do is meet with the examiner.
  4. Sit back and relax – We’ll work with the company to get your application approved. We may ask you for information from time to time, as needed.
  5. Return your policy documents and the first payment – We’ll mail your new policy to you. You’ll send us back any signatures needed and the first payment.
    That’s it! It really is that simple.

Our Latest Term Life Insurance Articles

Senior Plan Life Insurance: The Best Life Insurance for Seniors [2020 Quotes]

People think of life insurance as something younger people buy, but it can be useful later in life, too. It's never a bad time to search for which life insurance is best for seniors, as life insurance rates see their first dramatic price increases between the ages of 50–60, with rates for people over 65 often increasing significantly with each year of [...]

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How to Get Term Life Insurance With Multiple Sclerosis [2020 Quotes]

Multiple Sclerosis often prevents people from qualifying for term life insurance. But you can get a policy if your condition is mild and stable.

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Life Insurance With No Waiting Period: Buyer’s Guide [2020 Quotes]

Life insurance policies will replace income and pay final expenses if the insured passes away, but they often pay a lump-sum payment after a specified timeframe has passed. For some people, though, waiting is not an option. How can you get life insurance with no waiting period? Some policies will allow you to buy life insurance that does not require [...]

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