Term Life Insurance Quotes [2022]

Your term life insurance rates are determined based on factors such as health history, lifestyle, occupation, and more. This is why it’s important to understand the process involved with obtaining insurance quotes.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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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 Benji Carr

UPDATED: Apr 21, 2022

Advertiser Disclosure

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.

Quick Facts

  • You can easily get term life insurance quotes online
  • Your premiums are determined by many factors, like occupation and habits
  • Term life is generally inexpensive but only lasts for a certain amount of time

Finding life insurance shouldn’t be a hassle. Which is why it’s good to know that quote can be found online, and there are usually plenty of options. Not only are quotes easy to get, but you can also get quotes for a wide variety of insurance types, including term life and no medical exam life insurance.

Term life insurance is the most basic and least expensive type of policy you can buy. There are no investment accounts, cash values, or policy loan features on term life; those features are exclusive to permanent policies.

Our licensed insurance professionals and insurance estimator can also help you determine the proper coverage amount to ensure that you leave enough death benefits to take care of your loved ones.

Term life provides protection for a specified period or the “term.” You can buy term life insurance for terms of 10, 15, 20, 25, or 30 years. The life insurance policy will pay a benefit to your beneficiaries if you die during the term.

If you’re ready to start comparing term life insurance quotes, enter your ZIP code above to get free online term life insurance quotes from all the best term life companies.

Read on to learn more about term life insurance and getting term quotes online. We’ll cover what goes into term life insurance, as well as how you can find term life insurance online. 

Table of Contents

What is a term life quote?

A term life quote is not a guarantee of coverage nor a guarantee of price. It is simply an estimate of both. If you need to shop for life insurance quotes, sometimes it can get overwhelming.

Despite the best efforts of online life insurance rates systems and agents to collect information and give you an accurate term life quote online, your qualification and subsequent policy price are ultimately determined by the insurer through underwriting.

The insurer has access to information that a quoting system or agent does not, such as your medical information bureau (MIB) report, motor vehicle report (MVR), medical records from your physicians, and results of your paramedical exam to name a few items.

These will all play a role in determining your final rating class and policy price.

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What is term life insurance?

Term life insurance is life insurance that covers you for a set period of time, up to 30 years. As opposed to other types of life insurance, such as whole life insurance or universal life insurance, term life does not build cash value and will expire.

It is typically less expensive than whole life insurance, which is a reason people would choose it over a whole life policy.

How do you buy term insurance online?

Completing an online application can seem overwhelming at times. Applicants must figure out the term life insurance online quotes, application forms, phone interviews, paramedical exams, and more.

A good agent or broker can help applicants make sense of the process and the terminology. And that’s what we are doing today, by carefully examining term insurance quotes online.

What does it mean to get a quote on term life insurance?

A term life policy quote is simply an estimate of the price you will pay for your term life policy. This estimate is given before the insurer has reviewed even a single snippet of information about your health, lifestyle, and family history.

For this reason, the quote you receive may be different from the final offer the insurer makes. This will depend on the underwriting process, which is simply the review of all the information collected about you.

A quote is not a guarantee you will be approved, nor is it a promise of the cost of life policy premiums if you are approved. Approval by the life insurance company is only made after your formal application, paramedical exam, and other information are reviewed by an underwriter.

Once your application is approved, the insurer will make an offer, which includes the approved rating class and policy rate.

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What is the average policy cost per month?

Your costs will depend largely on your type of life insurance policy. A term policy will be significantly cheaper than a whole policy.

To illustrate, here are the average life insurance costs for the top 10 life insurers in the country. First, let’s take a look at rates for a term policy:

Average Monthly 20-Year Term Life Insurance Rates by Age and Gender
Term Life Insurance Policyholder Age$100,000: Male Average Term Life Monthly Rates$100,000: Female Average Term Life Monthly Rates$250,000: Male Average Term Life Monthly Rates$250,000: Female Average Term Life Monthly Rates$500,000: Male Average Term Life Monthly Rates$500,000: Female Average Term Life Monthly Rates
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As you can see from the table above, a 25-year-old female could obtain a 20-year, $100,000 term life policy for as low as $12.70/month while her male counterpart would pay a slightly higher rate of $14.53/month for the same policy.

Note that gender, age, occupation, medical history, and habits are some of the top factors that will affect your rate during the application process. But the good news is, the healthier and younger you are, the lower your rate will be.

Why would you be approved at a different rate?

Common reasons you may receive a different approved rating class include:

  • The company discovered something during underwriting that was not disclosed or known at the time of the quote.
  • The insurer updated its pricing after you obtained your quote, but before you completed your application.
  • You had an age change before completing your application.
  • An error was made while obtaining the quote, such as an incorrect date of birth, gender, height/weight, etc.

If you’d like to learn more about rating classes and insurance pricing, do your research and shop around to compare term life insurance options.

What are common misconceptions about term life policy quotes?

One common misconception is the quoted rate is the actual rate you will pay for the policy. While most people do end up with the same rate, in the end, it’s not always so.

You shouldn’t consider any quotes, even reasonable life insurance quotes, to be the final, approved rate until you have your policy in hand. It will clearly state your approved rating class and the price of the policy.

Think of it this way: you can get a quote for any rating class you select. A 70-year-old man with diabetes and heart disease could use an online quoting system to get a quote for the best rating class, without disclosing his medical conditions.

He obviously would not be approved at the best rating class after the insurer reviewed his health history.

Another misconception occurs when an applicant believes an insurance agent or broker can approve a rating class. A life insurance agent or broker can only help you estimate what rating class the insurer may approve your application at.

They cannot guarantee anything on behalf of the insurer. In the end, it is completely up to the underwriter to determine the final rating class.

That being said, an experienced agent or broker is priceless in helping you estimate your rating class and finding the best company to apply with.

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Can you get term life quotes online with no exam?

When requesting quotes, you might be given two options: term life quotes with a medical exam or term life quotes with no medical exam. Based on your age, gender, and health history, many insurers require a medical exam before approving your application.

However, some offer no exam policies. Some rely strictly on Medical Information Bureau records and prescription reports, while others don’t require either.

Because they don’t require a medical exam, the insurer automatically assumes the applicant is a higher risk and charges higher policy costs accordingly.

Getting instant online life insurance quotes with no exam may seem more convenient, but if you don’t have any medical conditions that keep you from getting coverage, you should probably consider a traditional policy. It will likely be cheaper.

Can you get instant, affordable term life insurance quotes for seniors?

Unfortunately, term life is difficult to obtain for people over the age of 65. It is possible, but your options are limited.

Most seniors are eligible for a special form of whole life insurance coverage called senior plan life insurance, which is essentially a low face value final expense policy.

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What information is needed for a rate comparison?

Insurance websites tend to throw the words “term life insurance quote” around pretty loosely. However this doesn’t mean that everyone understands what is included in a quote, and that includes us as well. Even we sometimes fall into the trap of assuming everyone knows what a quote is. Some people may not be familiar with the process, which is why having more information can be beneficial. 

The quote process can become confusing, especially if many people think that it’s a solid price. Generally a quote is merely an estimate, which is why it’s important to understand a quote is never something set in stone. Plus, there are a wide variety of factors that are often used when you’re shopping for any sort of insurance. 

Let’s take a look at a few of these factors.

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What demographic information is used?

Your term life online quote starts with some basic information:

  • Gender: Female rates are lower than male rates. Women have lower mortality rates than men, although the gap appears to be closing.
  • Date of Birth: Your age is one of the biggest determinants of your policy cost. Rates start to steadily rise around your late-20s to mid-30s for both females and males. Rates increase more rapidly as you enter your 50s and 60s.

Your demographics are used as a basis to calculate your rates.

How are rating classes assigned?

You’ll usually see the term “rating class” next to your online term insurance quotes. A rating class is a category of risk that companies assign to each policy.

Each rating class has it’s own “rate factor” used to calculate your quote. The better rating classes are reserved for people with lower risk, e.g. they are in better health, don’t smoke, etc. The rate factor for these better classes is lower.

So a super preferred rating class is better than a preferred rating class and will cost you less. The difference between rating classes can range from 20-30%. Here are some examples of rating classes and what they mean.

Term Life Insurance Rating Classes
Term Life Rating ClassWhat it Means
Super PreferredExcellent health w/no major medical conditions
PreferredVery good health w/some minor medical conditions
Standard PlusGood health w/some moderate medical conditions
StandardAverage health w/some medical conditions
SubstandardPoor health w/some major medical conditions
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To determine your possible rating class, we collect as much of the following information from you as possible.

How are term life insurance rates determined? 

This information can change your life insurance quote dramatically.


Your build plays a significant role in your quote. Each company has its own build table or thresholds for the weight it will allow for each rating class. And it is usually very strict in applying these thresholds.

Just a couple of pounds over can put you into the next rating class and have you paying more for your policy.

Here is an example of a build table.

Term Life Insurance Rating Classes Based on Height and Weight
HeightSuper Preferred Weight ClassPreferred Weight ClassStandard Plus Weight ClassStandard Weight Class
5'6"174 lbs187 lbs202 lbs226 lbs
6'0"204 lbs221 lbs240 lbs271 lbs
6'4"230 lbs246 lbs267 lbs302 lbs
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Now let’s look at other lifestyle factors that may affect your rates.

Tobacco/Nicotine Use

Using tobacco and/or nicotine products will result in a tobacco rating class and a significantly higher policy cost. If you’ve recently quit, each insurer has guidelines for improving your rating class based on how long it’s been since your last puff, pinch, or patch.

Also, most companies will allow celebratory or occasional cigar use. The standard is one per month, and you must disclose this on your application.

Current Medical Conditions

Using tobacco and/or nicotine products will result in a tobacco rating class and a significantly higher policy cost. If you’ve recently quit, each insurer has guidelines for improving your rating class based on how long it’s been since your last puff, pinch, or patch.

Also, most companies will allow celebratory or occasional cigar use. The standard is one per month, and you must disclose this on your application.

Medical History

Like your current medical conditions, your history will also play a role in your quote. Some conditions such as cancer and cardiovascular disease may affect your rating class long after treatment has stopped, even if you are now free of the condition.

Hazardous Activities

Do you crave an adrenaline rush from hang gliding, car racing, or rock climbing? Insurers may view your hobbies as hazardous activities, which will mean a higher policy cost. In extreme cases, you could even be declined if your activities are numerous or just too dangerous.

Driving Record

Moving violations such as multiple speeding tickets (like more than three over a two-year period), reckless driving, or driving under the influence of drugs or alcohol will absolutely result in a higher quote.


It shouldn’t come as much surprise that commercial fishermen will pay more for their term life policy than accountants. All else being equal (build, medical history, etc.) they simply have a more dangerous occupation. Dangerous as it relates to death, anyway.

If you have a dangerous occupation like logging, steel/ironwork, or police officer, your term life quote will be higher.

Family History

It hardly seems fair, but if your parents or siblings had a history of cancer or cardiovascular disease at a young age (usually below age 60) you could pay more for your policy. How much more depends on the condition, age, and whether they died as a result.

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How can I compare term life choices to find the best policy?

When it comes to term life insurance, QuickQuote agents are committed to helping you find the best term life policy for your needs. You’d be surprised to learn just how easy the process can be. Listed below are several things to consider while you shop.

Term life insurance is…

  • Inexpensive – You pay for what you need and nothing else. This means you get the highest amount of protection for the lowest cost when compared to other types of coverage.
  • Simple – It’s pure protection. Nothing more, nothing less. You can even buy it without a medical exam.
  • Temporary – It will expire one day, either 10, 15, 20, 25, or 30 years from when you buy it. You decide how long you’ll need it and that’s what you pay for. Don’t worry, though. There are options for extending it if you need to.
  • Flexible – Use it to protect your family, pay estate taxes, secure a bank loan, and more. Have a business? You can use it to protect key employees, fund buy-sell agreements, or help grow your company.

Term life is not…

  • Permanent – Let’s be clear about this. If you need life insurance beyond the next 30 years, you’re better off with a whole life or universal life policy. Although you can extend a term life policy beyond its term, it’s often more expensive in the long run.
  • A Savings Plan – Term life is not a savings plan like a bank account, CD, money market fund, etc. But you can take the money you save by buying term life and put it in a real savings account.

It’s simple, low-cost coverage. Minus the bells and whistles.

What is the best term life price?

What you call price or cost, insurance companies call the policy rate. Your rate is a major factor to consider while shopping for term life. Be sure not to assume that price is a definite indicator of quality.

After comparing each policy, you may find that coverage from one highly rated insurer is less expensive than the same amount of coverage from another equally reputable insurer.

It’s also a good idea to consider annual rates instead of monthly as you may be able to save quite a bit. Be sure and select a policy that is not only competitively priced but also a great value.

Using comparison tools that give you free, instant quotes online, such as ours, is a great place to start finding the best term life insurance rates online.

How can you save money on term life?

Your money is important to you. Thankfully, it’s easy to find cheap rates.

Smart shoppers compare prices. Books, clothes, hotel rooms, even term life insurance. We’re here to help you save money, so let us do the hard work. 

This will be fast, free, and, dare we say, fun.

  • We find the nation’s most trusted insurance companies. Only A-rated companies make our list.
  • You instantly compare prices from these companies.
  • Together, we find the best option at the best price for your specific needs.

We help you get the best price. You can buy the policy, or not. There’s no obligation. No fees. No hassles. Find online rates today.

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How does your payment method affect your rates?

Many people do not realize this, but if you pay for your policy annually, you will pay less. There is a built-in “discount” for paying once per year. Think about it: lower admin costs for the insurer and they get your money all at once (which they invest and earn interest on).

Here is an example of the difference you would pay for a policy with a $1,000 annual rate.

Average Term Life Insurance Modal Rates
Payment ModeModal FactorPeriodic RatesTotal Annual Rates
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If you pay semi-annually, quarterly or monthly, your quote will be higher.

What is the best coverage amount?

Though it may seem difficult to decide how much term life insurance you need, with a little analysis, you can quickly determine just how much you need.

Consider what you’re looking to protect. If you’re a single homeowner, you want to be sure you have enough coverage to settle your final expenses, mortgage, and other outstanding debts.

If you’re a married parent, you will need enough to cover not only your outstanding debts but also your financial responsibilities to your family.

This may include monthly living expenses, college tuition, retirement savings, and more. Our licensed insurance professionals and insurance calculator can also help you determine the proper coverage amount.

Term life is priced as a unit rate per thousand dollars of coverage. So for example, if your rate is $0.50 per thousand based on your age, gender, and other factors, you could expect to pay $250 for a $500,000 policy (plus an annual policy fee that’s part of the rate).

500 units ($500,000/1,000) X $0.50 per unit = $250.00 (plus the policy fee)

What is the best life insurance term length?

The length of time you’ll need coverage for is important to consider when shopping for online term life. Things to think about include how long until you’ve paid off your current debts, how long until your kids are through school, and how long until your spouse has reached retirement.

Of course, you can only guess approximately when these milestones will occur, but if you think about 10-, 15-, 20-, 25-, and 30-year increments, you should be able to arrive at a relatively accurate estimate.

You can always cancel a policy later if you no longer need it, which is why it might be a good idea to overestimate.

Policies generally come in term lengths of 10, 15, 20, 25, and 30 years. Some companies like American General Life even have odd lengths such as 12, 17, and 22 years, for example.

The length of coverage you choose will also affect your quote. Shorter durations are less expensive than longer ones, as the likelihood of you dying increases the longer the policy is in force.

How do you select a term life company?

Selecting a reputable insurer is a big part of selecting your best term life insurance option. There are plenty of companies on the market.

Be sure to find a highly rated company. Not all big-name providers are highly rated. Luckily, we make it easy for you as we only work with A-rated companies and can help choose the right one for you.

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Why are term life rates changing?

The current economic downturn and tight credit markets are causing problems for most financial services companies, and life insurance companies are no exception. Most companies have seen profits fall dramatically due to market conditions.

As a result, capital costs have increased, and rating agencies have downgraded many life insurers. This acidic combination has caused regulators to increase the reserve requirements of the industry as a whole.

“This perfect storm has left life insurance companies with few options, and many are choosing to raise rates in an effort to stem losses and meet additional requirements mandated by regulators,” stated Tim Bain, Founder of QuickQuote Financial, an Internet-based term life insurance broker. “None of these companies wants to become the next AIG, so they are forced to take these measures.” While term life insurance still offers the best value in the market for pure protection, it appears rates may continue this slow increase for the foreseeable future.

“Although the trend is currently upward, we certainly don’t expect to see the significant decreases of the past 10 years or so erased entirely,” said Bain. “However, now may be a better time than ever to lock in a low rate on a term life policy because we just don’t know when rates will begin to fall once again.” 

With rates changing, comparing term life insurance policies will help save you money. Enter your ZIP code into our Quick Quote life insurance tool below to start comparing free instant life insurance quotes.

What’s the bottom line?

Term life is the simplest form of coverage and the easiest to get instant life insurance quotes online. It’s much more affordable than whole insurance. Depending on your age and health, you can get $100,000 in coverage for pennies a day.

We wrote this guide to give you a quick primer on insurance options before getting quick life insurance quotes. If you still have questions, be sure to read one of the many in-depth guides on this site where we cover every topic touched on here.

Do you have more questions about term life insurance quotes?

Buying term life online can be an exhausting experience. With so many websites making wild claims and endless promises, how do you know who you can trust?

We don’t envy you; it’s a tough spot to be in. But we do sympathize. And so, we’ve put together some of the most common questions we’re asked and the best answers we’ve got for them.

If you want more, check out our full life insurance FAQ page.

Hopefully, this will make your task of buying an online term policy a little less daunting.

#1 – I don’t think I need life insurance coverage. Who needs it?

You may not realize it, but you likely have a need for some coverage, even if it is just a small policy. Life insurance can be used to pay for funeral costs, medical expenses, mortgages, loss of income for your family, a child’s education or daycare, business security, student loan repayment, and more.

#2 – What are the benefits of applying with a broker rather than finding a policy on my own?

A broker works with several companies and can do the shopping for you. A good broker is knowledgeable about all types of coverage options and can find the best company and policy for your unique set of circumstances.

This will ensure you get the best policy for your needs at the lowest rate possible.

#3 – Does it cost me more to use a broker’s services?

No. Most life insurers require you to use a broker or an agent. The difference is a broker works for you and an agent typically works for an insurer (think Farmers, State Farm, etc.).

Brokers and agents are paid by the insurer. The rates are set by the companies and regulated by the states. Therefore, you pay the same rate if you live in California or Michigan, and you pay the same rate if you use QuickQuote or another online broker.

#4 – How much term life coverage do I need?

No. Most life insurers require you to use a broker or an agent. The difference is a broker works for you and an agent typically works for an insurer (think Farmers, State Farm, etc.).

Brokers and agents are paid by the insurer. The rates are set by the companies and regulated by the states. Therefore, you pay the same rate if you live in California or Michigan, and you pay the same rate if you use QuickQuote or another online broker.

#5 – What payment options are available to me?

You can choose to pay your term life rates monthly, quarterly, semi-annual, or annually. And you can easily change this later if you decide another payment method works better for you.

Depending on the insurance company, you may be able to pay by bank draft, personal check, credit card, or money order.

#6 – Am I responsible for paying for my paramedical exam?

No. The life insurer pays for your paramedical exam. We will order the exam for you when we complete your application. The examiner will come to you to complete the exam and can schedule early morning, late evening, and even weekend appointments.

#7 – Am I guaranteed the term life insurance rate quoted to me?

No. All quotes are subject to underwriting review. That means we won’t know the final rate until your term life application has been reviewed and approved by the insurer.

However, we will do our best to give you the most accurate quote possible upfront. Please let us know if you have any medical conditions, family history, moving violations, or any other concerns which may affect your rate, and we can shop rates for you before you apply.

#8 – I have some medical problems, and I don’t think I will qualify for coverage. Am I wasting my time applying for coverage?

Applying for life insurance is never a waste of time. We will do the shopping for you to find the best insurer with the lowest rate based on your medical history.

We work with several companies and know which companies are more favorable depending on what your medical problems are.

Most of the time we can give you an accurate quote immediately. Other times it may take one to two business days if we have to contact the insurance company.

#9 – Can I get term life without doing the medical exam?

Possibly. If you are between the ages of 18-55, you may be able to buy a no medical exam term life policy. The policies available currently are 10, 15, or 20 years with coverage amounts ranging from $50,000 – $400,000.

#10 – Am I able to have multiple term life insurance policies on myself?

Absolutely. There is no limit to the number of life policies you can have. However, companies do look at the total amount of coverage you have.

Insurers have guidelines for how much coverage you can have at one time.

They also take into account other factors such as how much term life can you buy for coverage and overall financial situation. A financial need for that much coverage must exist at the time you apply for a policy.

#11 – Why is a return of premium (ROP) more expensive than regular term insurance?

Return of premium (ROP) life insurance gives you a level death benefit and level policy rates just as a term policy does, but it also gives you all of your rate payments back.

At the end of the level period you select, 100% of the rates paid will be returned to you (minus any administration fees) as long as you have paid your rates throughout the period of insurance and a claim is not filed.

#12 – What is the maximum age I can qualify for coverage?

Many life insurance companies will issue a new 10-year term policy up to age 85.

#13 – How long does it take to get approved for coverage?

Regular term life insurance takes approximately three to four weeks. No medical exam term life quotes can be approved and in force within one to two days.

#14 – What are some ways I can speed along the application process?

There are several ways you can help.

  • Schedule your application call at the same time you submit your online request.
  • Return your signed application to us promptly.
  • Complete your paramedical exam as soon as possible.
  • Respond to any requests for information from your case manager.
  • Pay for your policy as soon as you receive it in the mail.

Responding quickly to any requests will help move your process along quickly.

#15 – What happens to term life policies if you don’t die?

Once your term expires, so does your coverage. If you die after your term, your beneficiaries won’t receive any benefit payment, despite all the rates you paid.

There are no refunds on rates unless you paid extra for a special return of rate rider.

#16 – Can I get term life insurance quotes without personal information?

Term life quotes are generally anonymous. Most tools only ask for age, gender, height, weight, and tobacco use.

Some may ask for identifying personal information such as name, address, and phone number so an agent can contact you to follow up on your quote, but there are plenty of companies that don’t ask for those things.

#17 – Can I get term life quotes in Canada?

Life insurance for foreign nationals in any country is complicated. If you’re a U.S. citizen looking to get term life in Canada, there are very specific criteria. Typically, you must fall into one of these categories:

  • Openwork permit
  • Students visa
  • Convention refugee status
  • Nannies or caregivers
  • Temporary work visa
  • Landed immigrants
  • Physicians
  • Investors, entrepreneurs, and self-employed

Likewise, if you’re a foreign national looking for coverage in the U.S., you have to meet any additional standards set by the life insurance company.

Affordable term life is the best way to protect loved ones. Start comparing term life insurance online quotes to find the best rates.

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