Six quick questions, live rates from A+ rated carriers. No email, no phone call — your rates show right here.
Coverage for a set period — 10, 20, or 30 years — usually while a mortgage or kids depend on your income.
The most coverage per dollar of any life insurance. Your payment is locked for the duration of the term.
This page is term only — not whole life, not burial insurance. If you're protecting a family or a mortgage, you're in the right place.
About a minute. No email or phone number required to see rates.
Real prices from A+ rated carriers. Same price as buying direct — regulated by your state.
Look for the "Instant decision" badge to skip the exam. Applicants under 40 can often qualify for $1M+ without an exam. Approval — and whether an exam is needed — depends on your answers to the application's health questions.
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Complicated situation, or just want to walk through your options with a real person? Call or text directly — no phone tree, and it costs the same either way.
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Yes. Fill out the form, see quotes, pick a carrier, and start their application online. Depending on the carrier and your health, requirements range from a simple records check to a full exam. Prefer help? A licensed independent agent is standing by — and the price is the same either way.
No. Life insurance prices are regulated by the state — a policy costs the same whether you buy it directly from the carrier, from a fancier website, or through an independent agent.
It depends on your age, your health, and the carrier. Applicants under 40 can often qualify for $1M+ without an exam. If a carrier shows an exam requirement, the exam is paid for by the insurance carrier and done in your home by a trained medical professional.
Probably not exactly. Your final price comes from the carrier after your application goes through underwriting and you are assigned a risk class. Pick "Good" or "Average" health for the most realistic estimate.
No — some applicants are declined for term insurance. Most common conditions like high blood pressure, high cholesterol, and controlled diabetes are accepted at a lower risk class. If you would like to discuss your situation privately, call or text for a confidential consultation.
Yes, depending on your age and health. Get a quote above, look for the "Instant decision" badge, and fill out an exam-free application with a carrier like Banner.
Typically, yes. Non-working spouses can usually get up to around $500,000, with exact rules varying by carrier and household income. If you receive government disability benefits (SSDI/DI), term life is not available — call to talk through what is possible for you.
It is a curated list: competitive pricing, fast applicant-friendly underwriting, easy applications, good claims service, and solid financials — only A+ rated companies from A.M. Best. (A+ (Superior) is the second-highest of A.M. Best's 13 financial strength ratings.) We work with many more carriers for unusual situations.
Some do, some do not — it depends on the carrier and the policy. If you are looking for something specific, ask your agent and we will find out together.
Free, takes about a minute, and your info is never sold.
