Families need term life insurance

Compare Term Life Insurance Rates

Term life insurance is simple, affordable, temporary protection. We search across the nation's top insurance carriers to find the term life insurance quotes that fits your needs, time frame, and budget.

Get a Quote   How Much Do I Need?

Why choose Quotacy for term life insurance?

Industry leader

We know life insurance. It's our thing. With over 25 years of experience in the industry, we've seen it all. We know life insurance isn't exciting for most people, but at Quotacy we love it. Our team is proud to be a leader in the industry and set the standard for buying life insurance online.

It's all about YOU

We are passionate about finding the right policy for you and your unique situation. We make it easy for you by shopping on your behalf; we compare life insurance rates, find you the best life insurance prices and let you choose your policy. The trust and relationships we build with our clients is priceless.

We are real people

Let's be honest, we may even become friends. We are real live people doing what we do best: helping and supporting you during and after your life insurance journey. We strive for customer satisfaction, and that can only happen if we are honest, trustworthy, genuine and completely transparent with you. And we are.

Have questions? We have answers.

Purchasing life insurance can trigger many questions and concerns.
We want you to be as informed as possible.
We provide all the information you need to know to make a confident life insurance purchase.

Q & A

Buying life insurance has never been easier.

Compare rates instantly

Compare life insurance quotes for different coverage amounts instantly and find out how much life insurance coverage you really need.

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Choose a policy

Quotacy only works with A rated carriers
so you'll have plenty of choices from the most
trusted life insurance providers.

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Apply online

Apply from the comfort of your home. We work
hard behind the scenes to ensure you get the
best policy for your unique situation.

Apply online - Quotacy screenshot

Buying life insurance is one of the most important purchases you can make. We want to make it a great experience and believe customer service is key. But, don’t just take our word for it.

Excellent Rating from Reviews on TRUSTPILOT


Life insurance made easy

The team at Quotacy made the selection, application and purchase of a life insurance policy a breeze. They kept me informed from day one and regularly checked in to see if I had any questions or need help along the way. This turned out to be a much smoother process than I originally anticipated from a web-based company. I'll certainly be reaching out to Quotacy for my future needs.

five stars


Great way to purchase life insurance!

Quotacy is THE way to buy life insurance. Through one request for quote got the best deal and great customer service. Would recommend Quotacy to everyone for your life insurance needs.

five stars


Easy as 1, 2, 3

I give Quotacy the highest rating because of the incredible ease it was to go through the entire process. They were in frequent contact and the communication was concise and made me feel like they were taking care of everything at every step. So far, so good. I have zero complaints. It has been as easy as 1, 2, 3. Thank you very much for your efforts.

five stars


Wonderful experience with Quotacy

Thanks to the staff at Quotacy the process of buying life insurance was very positive and painless. From initial contact with the team to the day my policy became active everything was seamless. The communication from my agent was exceptional. He guided me through the process every step of the way and made sure I got the best policy at the best price. I would definitely recommend the Quotacy team!

five stars


Best price with great customer service.

Quotacy got me the best price for my life insurance with a major company and stepped me through the process the whole way. They were very quick and thorough when responding to my inquiries. I would highly recommend using Quotacy!

five stars


Fast and efficient service

From initial quote, to medical exam, to the final paper work, Quotacy provided fast and efficient service. They walked me through the life insurance application process and kept me well informed through the entire process.

five stars


Quick and easy.

I am 25 and this is the first time that I have applied for life insurance. Quotacy made the process extremely quick and easy. A helpful agent stayed in contact with me through email every step of the way. They provided helpful information about the process, actions I needed to take, and updates on the paperwork. I was surprised and pleased by the ease of the process for acquiring life insurance.

five stars


Easy, quick, and trustworthy way to get term life insurance

My wife and I used Quotacy to get term life insurance. The whole process, from getting price estimates and the phone interview to scheduling the medical exam and filling out the final paperwork was very easy. Brandon and Tanya provided exceptional and timely support throughout the process. Would recommend Quotacy to others.

five stars


Super Smooth

Super smooth easy process. As a former licensed insurance agent, I appreciate all the work behind the scenes that Jason and his team coordinated while very little was required of me during the entire process. I would highly recommend and will coming back to them should I have any additional life insurance needs.

five stars

Reviews from TRUSTPILOT

Looking for term life insurance quotes?

Quotacy is the best life insurance brokerage firm.

When it comes to protecting your family’s financial future, there is no better product than term life insurance.  Life insurance is an affordable way to replace your income for your loved ones if you die prematurely.  The death of a family provider is never easy.  It takes an emotional, physical, and spiritual toll on the surviving loved ones – life insurance can ensure there isn't a financial toll as well.

There are two main types of life insurance, permanent life insurance and term life insurance.  Permanent life insurance is life-long and can also have a cash value aspect.  Because of these two aspects, permanent life insurance products cost much more on average than term products.

Term life insurance is temporary and simple income replacement.  Term life insurance costs are very affordable and can fit in most budgets.

For most individuals, term life insurance is the best choice and offers the financial protection your family needs.  The main purpose of life insurance is to replace lost income after the death of a provider and term life insurance can protect your family during their most vulnerable years.  Term life insurance is designed to last until it is no longer needed.  In most cases, this is when children are independent and grown and you’re in or near retirement.

Buying term life insurance

If you are looking to buy life insurance, getting term life insurance quotes online at Quotacy is easy.  At our quoting page, you can instantly get an estimate for how much term life insurance would cost you.  Unlike most online life insurance agencies, we do not require you to enter in your personal information just to get a quote.  We welcome you to run as many term life insurance quotes as you would like so you can get a good idea on how much coverage costs.

We don’t believe buying life insurance should be difficult.  We are here to make the process as easy as possible and keep you updated along the way. There is no risk to you in applying. Applying for life insurance is free and if you change your mind you can walk away. We promise not to hold it against you, and will welcome you back with open arms when you do decide to purchase. Keep in mind that the older you are, the more expensive life insurance can become.

How much term life insurance to buy

Many financial advisors recommend buying a coverage amount that is ten times your annual salary, but this isn't the right amount for everyone. Every person's family life and situation is unique. If you aren’t sure how much life insurance you need, our Life Insurance Needs Calculator can help.  You only need to answer three questions. How much debt do I have to pay off? How much monthly income does my family need? How many years do I want my family to receive this sum?

The tool uses these numbers to help determine how much life insurance coverage is best for your individual situation.  Use this suggestion as a starting point.  You can always choose to apply for a different amount. Consider this, even a small $100,000 term life insurance policy is better than owning none at all. If you were to pass away, the death benefit will help your loved ones pay for a funeral, time off work, and any bills that need to be taken care of. For those with greater needs, life insurance can even pay for long term expenses such as a mortgage or your children's college tuition.

Whatever your life insurance needs, Quotacy can help you find the best term life insurance policy.

What does term life insurance cost?

Many are surprised to learn that term life insurance costs much less than they thought. The cost of a 20-year $250,000 term policy for a healthy 35-year-old woman can cost as little as $13 per month. And with term life insurance, your premiums will remain the same throughout the entire term length.

A term life insurance policy can fit into most budgets. Using our term life insurance quoting tool, you can adjust the term length and amount of coverage to find a premium amount that works for you.

Quotacy can help

When looking for the best life insurance rates, look no further than Quotacy.  We are an independent agency, which means we work with multiple top-rated life insurance companies.  We have the ability to shop the market which allows us to offer you many options. The more options you have, the better your chances of getting approved at the best life insurance rate possible.

If you have tried buying life insurance in the past and have been denied because of a medical condition or lifestyle habit, we urge you to try again.  No two life insurance companies underwrite the same and guidelines are always changing.  We have in-house underwriters who know the ins and outs of these companies and will be able to assist in finding you the best life insurance coverage.

We cannot promise we can get every individual life insurance, but we can guarantee we will try our hardest.  The process of buying life insurance can be confusing sometimes, but we walk you through each step and continually keep you updated on your application’s status.  We aim to make life insurance easy and work hard to ensure you have a great experience.

Meet the team offering the best life insurance.

We’re more than a website.
We’re real people.

About Us


Over 28,000 families and businesses have been protected under the Quotacy and Hallett Financial Group umbrella.

$19 Billion

Over $19 billion of life insurance has been placed in force between Quotacy and parent company Hallett Financial Group.

We represent America’s top rated and best trusted life insurance carriers

Pacific Life, Legal and General - Banner Life and William Penn, Voya Financial/ING, John Hancock, Lincoln Financial Group
MetLife, Minnesota Life, Principal Financial, Mutual of Omaha, Prudential
Transamerica, Protective Life, SBLI

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