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Click "Get Started" below to fill out our free and simple application.
Here are the answers to the most commonly asked questions about term life insurance quotes.
Term life insurance quotes are estimates of the premiums you will pay for a term life insurance policy. Term life insurance is a short-term policy that provides insurance protection for a specified period of time, usually 10, 15, 20, or 30 years. If you die during the time the policy is in force, your beneficiaries would be paid the agreed-upon death benefit of your policy. If you are still alive when your policy expires, your protection ceases unless you decided to renew.
You can request up to five free term life insurance quotes by clicking “Get Started” wherever you see it on our site. Just take a few minutes to fill out our brief, online application, and we will instantly supply you with a minimum of four term life insurance quotes from various insurers. You will see these quotes side-by-side in our user-friendly format to help you comparison shop. Our term life insurance quotes are presented in plain, straightforward language to ensure that you are comparing apples-to-apples. You can even save your quotes to review later. Our term life insurance quotes are free and come with no obligation.
We partner with most of the major life insurance companies in the industry. When you submit an application, which insurers supply your term life insurance quotes will depend on your location, needs, and preferences. You will be able to choose from among at least four different insurers. A few of the insurers that participate in our network include AIG, Prudential, New York Life, and MetLife. Please visit our about us page to learn more.
Term life provides short-term coverage, and the policy does not accrue cash value. Permanent life insurance, on the other hand, provides a lifetime of coverage with premiums that never increase. Term life insurance premiums increase as you age and may become unaffordable later in life. Permanent life insurance also has the ability to accrue cash value over time, which means you can borrow against or withdraw from these funds to cover large expenses.
If your financial situation changes in the future, most term life policies offer what is called a conversion option. The conversion option allows you to convert the policy to a permanent life policy when you so choose without having to submit evidence of insurability. Make sure when you submit an application for term life insurance quotes that you shop for policies that have a conversion option, if you’re interested.
