Term Life Insurance Process

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Getting a term life insurance quote online is quick and easy. But it’s just the start.

You’ve done your research, found a reputable website, punched in some basic information and were rewarded with a bunch of quotes from different life insurance companies.

Pick one and you’re all set, right?

Not so fast.

Buying a term life insurance policy is a hands-on process. Even though you were able to get a quote quickly and easily online, you’ll need to invest some additional time before that brand new policy is firmly in your hands.

Here’s how it works.

Step 1. Get a quote online.

Step 2. Complete an application for coverage.

Step 3. Go through underwriting.

Step 4. Put your new policy in force.

Step 5. Renew your policy at the end of the term.

Click on a step to learn more about that part of the process. Ready to move ahead? Great. Let’s take a look at some quotes.

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