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Term Life Insurance

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Why Choose QuickQuote for Term Life Insurance?

Save Money

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

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We'll Shop

We'll find the best term life insurance rates from the best companies, leaving you more time for your family, reading or shopping (the fun kind).

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Right Amount

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

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Save Time

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

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Apply Online

Apply online and sign electronically at your convenience. No paperwork, trips to the post office or talking with an agent (though, we are friendly).

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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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Anonymous Quotes

Tired of giving your name, email and phone number to every website you visit? Us, too.

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Apply by Phone

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

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No Spam

We respect your inbox and voice mail. And your privacy in general. Which is why we won't bother you.

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Our Term Life Insurance Companies

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 35 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.

 

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