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Term Life Insurance Quotes

No contact information needed. Really!


 

Choose your price

Select the amount and length of coverage that fits in your budget.

Experts recommend 10-15x your annual income for the amount of coverage.

Starting at

$

per month per year 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, driving record, and health history. Click Compare Policies below to get a more accurate estimate.

Coverage Amount

$

Experts recommend 10-15x your annual income for the amount of coverage.

Length of Coverage

Year Term

Experts recommend a term that lasts the length of your largest debt.
Coverage Amount
Amount of money that will be paid to your loved ones in the event of death. A good rule of thumb is to select a coverage amount that is 10 times your annual income. Move the slider left or right to adjust the price. If you need a bigger policy than what can be quoted online just contact us and we'll be happy to run the numbers for you.

Length of Coverage
The length of time your policy will last. Your policy will be active for this amount of time as long as you continue to make the payments on time, and guarantees to pay out the coverage amount if you should die within that timeframe. It also guarantees that your price will not increase during the coverage length.

$

Coverage Amount Amount of money that will be paid to your loved ones in the event of death. A good rule of thumb is to select a coverage amount that is 10 times your annual income. Move the slider left or right to adjust the price. If you need a bigger policy than what can be quoted online just contact us and we'll be happy to run the numbers for you.
Experts recommend 10-15x your annual income for the amount of coverage.

Year Term

Length of Coverage The length of time your policy will last. Your policy will be active for this amount of time as long as you continue to make the payments on time, and guarantees to pay out the coverage amount if you should die within that timeframe. It also guarantees that your price will not increase during the coverage length.
Experts recommend a term that lasts the length of your largest source of debt.

Now let's customize the quote. After clicking Compare Policies, you’ll answer 4 easy questions that will determine which policy options are best to compare and choose from.
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.

We guarantee the lowest prices.
You won't find better rates online—even if you worked directly with the insurer.

For an even easier experience

The next bits of information will help us guide you to the life insurance options that fit your needs best.

Plain-English disclaimer:
Your info is protected, and it will only be used by us and the carrier of your choice for contacting you.

The legally required telephone consumer protection act disclaimer:
By clicking "Continue", you consent for Quotacy and partners to use automated technology, including auto-dialed or pre-recorded calls, emails, and SMS or MMS text messages, to contact you at the number you provided. This includes if the number is currently on any Do Not Call Lists. We may also contact you with future offers of insurance, or to keep in touch with you should you become a customer This consent is not required to make a purchase and you may opt-out at any time.

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

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.

Select the policy you like best

You won't find better rates, even if you worked directly with the insurer.

Choose the plan you like best.

Coverage Amount

$

Length of Coverage

Year Term

Coverage Amount
Amount of money that will be paid to your loved ones in the event of death. A good rule of thumb is to select a coverage amount that is 10 times your annual income. Move the slider left or right to adjust the price. If you need a bigger policy than what can be quoted online just contact us and we'll be happy to run the numbers for you.

Length of Coverage
The length of time your policy will last. Your policy will be active for this amount of time as long as you continue to make the payments on time, and guarantees to pay out the coverage amount if you should die within that timeframe. It also guarantees that your price will not increase during the coverage length.

$

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.

$

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.
Ratings & Info ▼ Close ChooseContinue ChooseContinue

Choose

Your Coverage
Policy Type Term Amount
Term Life
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
Haven Life Plus
Haven Life Plus
Quotacy's Advice
Coverage Amount

$

Length of Coverage

Year Term

Display Prices As:
Coverage Amount
Amount of money that will be paid to your loved ones in the event of death. A good rule of thumb is to select a coverage amount that is 10 times your annual income. Move the slider left or right to adjust the price. If you need a bigger policy than what can be quoted online just contact us and we'll be happy to run the numbers for you.

Length of Coverage
The length of time your policy will last. Your policy will be active for this amount of time as long as you continue to make the payments on time, and guarantees to pay out the coverage amount if you should die within that timeframe. It also guarantees that your price will not increase during the coverage length.

Monthly vs. Annually
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.
Not sure which plan is right for you?
Choose the lowest price and we'll help
find the policy that fits best.
Don't worry, choosing the lowest price doesn't lock you into a plan. Our agents will review your case and help you decide which company and plan is best for your unique situation.
Not sure which plan is right for you?
Choose the lowest price and we'll
help find the policy that fits best.
Don't worry, choosing the lowest price doesn't lock you into a plan. Our agents will review your case and help you decide which company and plan is best for your unique situation.

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

Great! Let's get started.

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

In order to qualify for Bestow term insurance:

  • You can't buy this insurance to replace an existing life insurance policy in FL, GA, IN, KS, MI, NV, OK, WY.
  • You likely won't be approved at Bestow if you have a felony on record, are a non-citizen with no green card, have cancer or HIV, or had a DUI/DWI or suspended drivers license.
  • You understand that Bestow term insurance can't be converted to a permanent product.

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.

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

Customize Your Basics
Zip Code
Edit
Gender
Edit
Birthdate
Edit
Do you smoke?

Health Info

Customize Your Health Info
Your Build
, lbs Edit
Tobacco or Nicotine
Edit
Blood Pressure
Edit
Cholesterol
Edit
Family History Edit
Family History
None Edit
Life Insurance FAQs
Helpful answers for your life insurance questions.
  • What info is needed for a quote?
    Getting a life insurance quote There are a lot of factors that go into determining the price of life insurance.

    However, at this stage in the life insurance shopping process, you shouldn't have to give up all your information just to get a free quote.

    So, we only ask for what's absolutely necessary to give you more accurate quotes with pricing that's specific to your location, age, gender, and basic health.
  • How much life insurance do I need?
    Choosing the amount of coverage Financial experts recommend 10-15x your annual income, but if you want to do the math yourself, here's an easy way to calculate your needs.

    First, add up the following:
    1. Large sources of debt (e.g., mortgage, lines of credit)
    2. Current and future expenses (e.g., day-to-day costs, college tuition)
    3. Funeral and burial costs ($10,000 on average)
    Then, subtract the following from the total above:
    1. Cash savings/bank accounts
    2. Investments and retirement plans
    3. Other life insurance policies
    If you're still unsure contact us. We can help you choose.

    Choosing the length of coverage Experts recommend a term that lasts the length of your largest source of debt. For example, if you have a 30-year mortgage then a 30-year term, would be a good choice.

    Also, consider the number of years it will take until your family is able to handle financial obligations independently.
  • Is term life insurance right for me?
    How price is determined Even though everyone's situation is unique, for most individuals, a traditional term life insurance policy is the best option.

    It's affordable and can be customized to fit your needs, current budget, and future financial goals.

    Benefits of term life insurance Term life insurance is easy. Once you get it locked in, your rate will never increase the entirety of the term.

    Other benefits of term life insurance:
    1. It can be converted to permanent without proof of insurability.
    2. You can receive early benefits if diagnosed with a terminal illness.
    3. It can be enhanced with add-on features called riders.
    Could whole life insurance be right for me? Whole life insurance coverage is forever, and it has a savings component. It's 10-15x more expensive, but there are some situations when it can be beneficial, like if you have a large estate or own a business.

    Reasons to buy term life insurance sooner rather than later Age and health are two of the biggest factors that determine the price you'd pay for life insurance. Meaning, lock in a better rate while you're young(er) and healthy.
  • How do I buy life insurance?
    Getting a free life insurance quote It only takes three steps and 60 seconds before you're able to compare customized life insurance quotes from multiple top-rated carriers.
    1. Step 1: Enter the basics for quotes specific to you.
    2. Step 2: Choose the amount and length of coverage.
    3. Step 3: Customize your quote for more accurate pricing.
    Compare policies to find the best fit To help you weigh your options, use the drop-downs to compare the details of each policy. When you find the best policy for you, your next step is to complete an online application.

    The online application only takes five minutes. After you apply, we'll review your information as well as pricing guidelines from other carriers to make sure you get the best price possible.

    We'll guide you through the approval process, take care of the legwork, and keep you updated and informed every step of the way.

    You're not committed to the coverage you apply for. You'll still be able to make changes and you don’t have to decide until you receive your approved offer.
  • What if I have a health condition?
    How do I find the best price on life insurance if I have a pre-existing condition? Every life insurance carrier calculates the risk of a pre-existing condition differently. This is why carriers have different prices for a policy with the same coverage.

    One carrier may have the lowest price for people with asthma but have the highest for sleep apnea.

    Since Quotacy has access to over 25 top-rated carriers, you can feel confident that you'll be matched with the carrier that will give you the best possible price.
  • Why work with Quotacy?
    Who is Quotacy? Quotacy is a no-cost life insurance broker that has helped over 50,000 people just like you find the right coverage at the best price possible.

    With access to 25+ top-rated carriers, you can feel confident that you’ll be matched with the carrier that fits your specific needs.

    Quotacy highlights:
    1. A+ Better Business Bureau® rating
    2. No hidden fees or extra costs
    3. Non-commissioned agents
    What are the benefits of working with Quotacy? The life insurance process can be overwhelming, which is why we pair you with a personal Quotacy agent.

    They'll be your main point of contact from start to finish. So, if you ever have questions, concerns, or need reassurance, you'll know who to turn to.

    Plus, your personal Quotacy agent will:
    1. Walk you through your options, clarify the fine print, and offer unbiased advice.
    2. Handle the legwork and keep you updated and informed every step of the way.
    3. Ensure you get the best price by checking pricing guidelines from 25+ carriers.
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