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Term Life Insurance Quotes

No contact information needed. Really!


 

Wondering why you need to give us this information for a quote?

There are several factors that affect the price of your life insurance quote.

While we don't need your contact information to deliver a quote, we do need a few important details to see how these factors affect your price.

Since our goal is to give you the most accurate quote possible, we ask you to provide:

  1. Your zip code. Coverage options vary by state so we'll need to know where you live in order to give you an accurate price quote (read: we do not need your street address).
  2. Your gender. Coverage is actually cheaper for women than it is for men (Except in the state of Montana) so this is another question you'll be asked in our free quote tool.
  3. Do you smoke? It's no surprise that smoking affects your longevity, so if you're a smoker, you should expect to pay more for coverage.
  4. Your date of birth. How old you are determines your price for life insurance.

By submitting all this information, we're able to narrow down the pricing of life insurance for your area, age, smoking status, and gender.

Before the quote is finalized, we'll also ask you a few additional questions so we can fine-tune and customize your quote further.

Here's what else we'll ask before providing a life insurance quote

  1. Height/weight. Your height and weight determines how much your life insurance policy costs so we'll need to know this information up front.

    We also need to know if you've ever smoked before.

  2. Tobacco use. If you smoke everyday, you'll likely fall under smoking rates, but certain carriers will give non-smoker rates to the occasional cigar, daily Nicorette, pipe, or chewing tobacco user as they do not consider them in the same category.
  3. You'll also find some questions about your heart health on our free quote tool.

  4. Heart health. Blood pressure and cholesterol medications are common prescriptions insurance companies take into consideration before they'll issue life insurance coverage.

    As long as your condition is under control, some carriers will give you the best rates even if you take these medications. So don't let these issues stop you from getting a free quote.

    We're also going to need to know a little bit about your family's health too.

  5. Family history. While you might be the epitome of perfect health, pricing may be adjusted if your parents and/or siblings have died or have been diagnosed with heart disease, diabetes, or cancer when they were younger than age 65.

To see if you're eligible for coverage, we encourage you to complete the form at the top of this page to receive your free, anonymous life insurance quote today.

You won't need to give us any contact information to receive this quote either. Simply answer the questions we mentioned and you'll have an affordable quote within minutes.

Are you concerned about a pre-existing medical condition?

Hesitant to apply due to an existing health condition? Don't let a pre-existing condition stop you from obtaining a free quote.

Our team has a successful track record of finding life insurance policies even if you:

  • Are overweight or have been diagnosed with diabetes
  • Take medication for depression or anxiety
  • Had cancer or a heart attack
  • Use a CPAP machine to sleep at night
  • Have been convicted of driving under the influence
  • Battled a disease you never heard of until the doctor told you about it
  • Enjoy mountain climbing, flying airplanes, or traveling to exotic and dangerous parts of the world

As long as you can provide us with the most accurate, detailed information on your current and past health history, we'll find you the right coverage at the best price.

What happens once I get a quote?

Before we start the formal application process, we'll ask you to submit a pre-application form with us.

This 5-minute health and lifestyle questionnaire gives us a better idea of what coverage options work best for your needs.

Not only that, it helps us weed out coverage options that aren't worth your time so you don't waste hours as you go through the application process.

Using our expertise, we'll help you choose a policy that makes sense.

Keep in mind, we don't work on commission. So you can rest assured that we'll help you choose a plan that's in your best interest, not ours.

Once your pre-application is submitted, our team will review it to see if there's anything else we might need from you. Then we'll submit a formal application on your behalf to the insurance carrier (aka: we'll take care of all the paperwork).

From there, it's up to the specific carrier to approve you for coverage.

Fortunately, our team will help you every step of the way, including the entire application process.

We'll help you tackle the paperwork and find a term policy that matches your needs best. And since you can do all of this online, you can go from quote to covered today!

Here's your price.

Play with the sliders to adjust your price, then let's find the best policy for you.

$

up to $

Estimated MonthlyAnnual Premium This price is not final. We try very hard to produce an accurate price based on your unique characteristics; however the insurance companies will make the final decision on price based on your lifestyle habits, lab results, driving record, and health history. Click Compare Policies below to see if your price could change.
Coverage Amount

$

Length of Coverage

year term

Coverage Amount
Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max coverage amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Length of Coverage
Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.

$

Coverage Amount Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max coverage amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Year Term

Length of Coverage Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.

Need help?

Three simple questions to determine how much life insurance coverage is right for you.

You can't put a price on your life, but this calculator will walk you through 3 simple questions to help determine how much money your loved ones will need at your death.
Life Insurance Needs Calculator
Now let's customize the quote. Click Continue and answer a few quick and easy questions. Your height/weight, nicotine use, common medications, and family history. Just these four attributes will estimate a price right 70% of the time.
Move the Coverage Amount slider to match your needs
Coverage Amount + Assets This line combines the coverage amount shown above with your total savings. Adjust the sliders to change the amount of life insurance to add to your savings that will cover your needs on the following lines.
Your Needs This line shows the ideal amount of life insurance you need to leave for your loved ones based on your answers. If this amount is greater than your needs below then it will cover your critical expenses so your loved ones will not be burdened with it.
A Decent Funeral Although funeral costs can vary, this represents the average and it is one expense you should plan for in determining the amount of life insurance you need.
No More Mortgage Paying off the balance of your mortgage with life insurance proceeds will keep your loved ones from being burdened with the expense. This line represents the principal balance of your mortgage.
College, Funded! This line represents the amount of life insurance that should be earmarked for your children's college tuition, and is based on the type of college you selected.
Income Replaced A good rule of thumb is to calculate life insurance at the rate of 10 times your annual income. Many other factors can come into play, but this is a good way of determining your need in an easy to understand fashion.
Find Best Policy
Here's your price.

Move the sliders to recalculate how much life insurance coverage is needed.

$

up to $

Estimated MonthlyAnnual Premium
Please adjust sliders to increase coverage to at least $50,000

Coverage Amount: $

Length of Coverage: Year Term

This illustrates what $ could pay for.

How much debt I want paid off:

$

How much monthly income my loved ones need:

$

How many years my loved ones need income:

years

Choose My Own Coverage Amount Compare Policies
First, consider which debt(s) you want erased if you died today (i.e. mortgage, student loans, etc.). Second, consider the net amount of monthly income you want to leave your family. Third, think about how many years you want that monthly income to continue.
Match your needs to your coverage
You
Your Family
Your Mortgage
Your Assets

What is your current gross annual income?

(for you, not your household)
Life insurance is designed to replace the income of the person insured. By knowing what your annual income is, we can calculate how much life insurance is needed to provide 10 years worth of income to your loved ones.

How many children do you have under the age of 26?

0 Up Down
By knowing how many children you have under 26 that you'd like to send to college, we can factor in college tuition for each child into your life insurance plan.

What level of college would you like to pay for your children?

Public and private college tuition is drastically different in price. By knowing which type of college you would like to see your children attend, we can account for the tuition in your life insurance plan.

How much do you owe for your current mortgage?

(Loan or principal balance, e.g. $200,000)
Paying off your mortgage is essential in planning for the unexpected. By knowing how much you owe on your mortgage we can include enough in your life insurance plan to pay off the principal balance.

How much do you currently have in savings?

(cash savings, other life insurance, retirement accounts, etc.)
Your cash savings, retirement plans, bank accounts, etc. can help reduce the amount of life insurance your loved ones will need to maintain their current standard of living.
Your Build
Tobacco or Nicotine
Heart Health
Family History

Great, we're almost there!

We just need to ask a few health questions to get you a more accurate price.
Don't worry, they're really simple.

Height Your height and weight are important, and helps us further identify a more accurate rate for you.

feet
inches

Weight Your height and weight are important, and helps us further identify a more accurate rate for you.

lbs

Do you use any form of Tobacco or Nicotine?

Tell us if and how often you use tobacco or nicotine. Some carriers are more favorable towards tobacco or nicotine users, and the more accurate you are, the better we can match you to the right insurance company.

What type of tobacco or nicotine?

It's important what type of tobacco or nicotine you use. It makes a difference in the price you may be able to get.

How often do you use tobacco or nicotine?

Life insurance rates very greatly depending on how often you use tobacco or nicotine products.

What type of tobacco or nicotine?

It's important to what type of tobacco or nicotine you previously used. It makes a difference in the price you may be able to get.

How long ago did you quit?

Some life insurance companies are more lenient on tobacco or nicotine use than others. Knowing how long it's been since you last used tobacco or nicotine will help us determine a more accurate rate for you.

Do you take Blood Pressure medication?

Life insurance companies have differing views on what blood pressure readings are acceptable. The same is true for blood pressure medication. The more we know the better we can narrow down the best price for you.
/
Most recent blood pressure reading
(optional)

Do you take Cholesterol medication?

Life insurance companies have differing views on what cholesterol readings are acceptable. The same is true for cholesterol medication. The more we know the better we can narrow down the best price for you.
Total cholesterol
(optional)
Cholesterol ratio
(optional)

Has any Parent or Sibling been diagnosed with or died from Heart Disease, Diabetes or Cancer?

The medical history of your immediate family is considered when life insurance companies determine your price. Our goal is to help you find the best match for your individual situation. Your family medical history helps us determine a more accurate quote for you.

Which Family Member(s) were affected by Heart Disease, Diabetes or Cancer?

Which condition applies to your mother?

Did your mother pass away from their condition?

When did your mother pass away from their condition?

When was your mother diagnosed with their condition?

Please fill in all fields before saving. Thank you.

Which condition applies to your father?

Did your father pass away from their condition?

When did your father pass away from their condition?

When was your father diagnosed with their condition?

Please fill in all fields before saving. Thank you.

Which condition applies to your sibling?

Did your sibling pass away from their condition?

When did your sibling pass away from their condition?

When was your sibling diagnosed with their condition?

Please fill in all fields before saving. Thank you.

To give you the most accurate policy price, please make sure all the information is filled out before submitting. Thank you.

Let's get you covered

Choose the plan you like best.

Coverage Amount

$

Length of Coverage

Year Term

Coverage Amount
Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max coverage amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Length of Coverage
Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.
Coverage Amount

$

Length of Coverage

Year Term

Coverage Amount
Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max coverage amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Length of Coverage
Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.
Display Prices As:
Most insurance companies give you about a 5% discount when the payment is annual. There are a few carriers that don’t give a discount, but if you have the means to pay annually, it might make sense for your pocket book to consider choosing an annual payment. Toggle the premiums to see which option is right for you.

$

Monthly Price Annual Price The best price we believe you may be able to get with this company based on the answers you've provided so far. Of course, all quotes are subject to underwriting by the life insurance company, and final prices may vary based on your medical history, driving record, lifestyle and many other factors.
Choose

$

Monthly Price Annual Price Estimated price based on your answers to the pre-qualifying questions we've asked so far. Of course, all quotes are subject to underwriting by the life insurance company, and final prices may vary based on your medical history, driving record, lifestyle and many other factors.
Your Coverage
Policy Type Term Amount
Term Life Years
Company Ratings
A.M. Best Rating
A.M. Best Rating is an independent rating agency that ranks the financial strength of life insurance companies. Their best rating is an A++. Their worst is a D.
A.M. Best
Founded Customers
?
Customer Service
Online Application
Online Application
Medical Exam Required
Medical Exam Required
Online Exam Results
Online Exam Results
Credit Card Payments
Credit Card Payments
Policy Delivery Method
Policy Delivery Method
Online Policy Management
Online Policy Management
Riders
Child Rider
Child Rider
Premium Waiver for Disability
Premium Waiver for Disability
Accelerated Death Benefit Rider
Accelerated Death Benefit Rider
Accidental Death Benefit Rider
Accidental Death Benefit Rider
Convert to Permanent Policy
Convert to Permanent Policy
Quotacy's Advice
Coverage Amount

$

Length of Coverage

years

Coverage Amount
Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max Coverage Amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Length of Coverage
Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.
Display Prices As:
Most insurance companies give you about a 5% discount when the payment is annual. There are a few carriers that don’t give a discount, but if you have the means to pay annually, it might make sense for your pocket book to consider choosing an annual payment. Toggle the premiums to see which option is right for you.
Coverage Amount

$

Length of Coverage

Year Term

Coverage Amount
Amount of money you will leave behind for your designated loved ones. Slide the green dot left or right to adjust the price shown on the right. $25 million is the max coverage amount displayed online. If you need a bigger policy just call us and we'll be happy to run the numbers for you.

Length of Coverage
Length of time your policy stays in place as long as you continue to make the payments. Level term policies guarantee to pay out a benefit when the policy is in force, and is also guaranteed to not go up in price during the level term period.
Display Prices As:
Most insurance companies give you about a 5% discount when the payment is annual. There are a few carriers that don’t give a discount, but if you have the means to pay annually, it might make sense for your pocket book to consider choosing an annual payment. Toggle the premiums to see which option is right for you.

Great! Let's get started.

Now let's make sure you're able to qualify for this coverage

In order to qualify for Haven Term insurance:

  • You can't buy this insurance for business purposes,
  • You can't be on active duty in the military,
  • You can't buy this insurance to replace an existing life insurance policy,
  • You understand that Haven Term insurance can't be converted to a permanent product.
  • The Haven Term insurance application cannot be completed on a mobile phone, but you can get started anyway and continue later from a larger device.

No, this doesn't work for me

Okay, I understand and these don't apply to me

Before we move on, here's our promise...

We only ask for the information we need, your privacy is important to us, and we don’t sell your data to third parties.

What's Next

Next you'll be asked to create your Quotacy account (unless you're already logged in). Then just complete your pre-application and we'll do what we do best... make sure you get the best coverage at the price you deserve, while keeping you informed every step of the way.

Great choice!

So far, so good. The information you have provided is shown below, and you can jump back in at any time to complete your quote. Just review your profile and your policy to ensure it's correct, and then let's start your application.

Your Quote Your Policy Edit

Here's your quote-in-progress. Here's the policy you've chosen.

$

up to $

Est. MonthlyAnnual Premium Estimated price based on your answers to the pre-qualifying questions we've asked so far. Of course, all quotes are subject to underwriting by the life insurance company, and final prices may vary based on your medical history, driving record, lifestyle and many other factors.
* Haven Life offers monthly payments only
$ Amount
Year Term Length

Your Profile

Here's what we have so far. Looks like we have all we need.

Basic Info

Zip Code
Gender
Birthdate
Do you smoke?

Health Info

Your Build
, lbs Edit
Tobacco or Nicotine
Blood Pressure
Cholesterol
Family History Edit
Family History
None Edit