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Term Life Insurance Quotes

No contact information needed. Really!

Zip Code Zip code of your primary residence. Insurance is regulated by states, not the federal government. Therefore, insurance products can differ from state to state. Your zip code helps us determine which products to quote and the right application when you purchase coverage.

Gender Gender of the person who will be insured. Women live longer than men and their rates are typically lower. But if you live in Montana, insurance companies are not allowed to be gender specific and rates in that state are unisex.

Male

Female

Birthdate Your birthdate will help us determine your cost for life insurance. Insurance companies price their rates either on your age or your "nearest age". If you are within 6 months of your next birthday it is considered your nearest age and your age increases by 1 year.

Do you smoke? Cigarettes, cigars, pipe. If your nicotine is delivered any other way besides cigarettes, many companies will consider you a non-smoker if you smoke cigars, a pipe, vape, chew gum, etc. You'll have a chance to refine this answer on another screen.

Yes

Show Rates

Monthly

Annually

How to buy life insurance

What is life insurance?
Life insurance provides money to beneficiaries if the person insured by the policy dies. It allows beneficiaries to pay for a funeral, bills, and keep their overall standard of living unchanged.

How to buy life insurance.
It’s easy to buy life insurance through Quotacy. Run a quote, choose from multiple top-rated life insurance companies, and apply online in less than ten minutes.

Your dedicated Quotacy agent will double-check that you will receive the best possible price. If there is a company out there that will treat your application more favorably than the company you chose online, your agent will reach out to you with options. After confirming the company you want to apply to, your agent will keep you updated every step of the way as you move through the buying process.

How much life insurance do I need?
Life insurance needs are determined by your unique situation. How many children you have or plan on having will affect your needs, as will the ages of your children. The younger your children and the more children you have, the higher amount of coverage you need. If you plan on paying for their college tuition, or contributing to it, this also should be considered when deciding coverage amounts.

If you have a mortgage, the balance of the loan, and how much time you have left until it’s paid off will also affect your life insurance needs. The higher the mortgage, the more coverage you should purchase.

Consider any other debt you have as well such as business loans or personal loans. Any debt that would be left behind for your loved ones to deal with should be covered by your life insurance.

What are the different types of life insurance?
Life insurance falls into two categories: term and permanent. If it’s a term life insurance policy the insured is covered during a specific number of years, called the term length. If it’s a permanent life insurance policy the insured is covered his or her entire life.

Term life insurance is the most commonly purchased type and it’s the most affordable. Permanent life insurance is lifelong coverage, accumulates cash value, and some policies pay dividends to their policyholders, but the premiums are also very expensive.

What’s the point of life insurance?
The point of life insurance is to protect the people you leave behind upon your death. It helps to prevent your family from falling into debt as a result of losing your support.

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:

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).
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.
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.
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

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.
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.

You'll also find some questions about your heart health on our free quote tool.

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.
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!

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.

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

^$

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

Medical Exam Required

Online Exam Results

Credit Card Payments

Policy Delivery Method

Online Policy Management

Riders

Child Rider

Premium Waiver for Disability

Accelerated Death Benefit Rider

Accidental Death Benefit Rider

Convert to Permanent Policy

Haven Life Plus

Quotacy's Advice

Coverage Amount

$

Length of Coverage

Year Term

Display Prices As:

Monthly

Annual

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

Great! Let's get started.

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

In order to qualify for Ladder term insurance:

You can't buy this insurance to replace an existing life insurance policy,
You understand that Ladder term insurance can't be converted to a permanent product.
The Ladder 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

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. To finish applying or save this quote for later, creating an account will be your next step.

This doesn't commit you to buying anything. It just gives you easy access to your progress. And don't worry, we'll never sell your info.

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

or ^$ for perfect health We take pride in setting realistic expectations for you by quoting the best price we think you may qualify for, but we also want you to know what the lowest possible price is for this policy. The lowest price is typically offered to those with a squeaky clean health history. Just because we are showing you a higher price for this policy, it doesn't mean you won't be considered for the lower rate. The insurance company will carefully review and determine what price you qualify for with them during the underwriting process.

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

844-786-8229

Term Life Insurance Quotes

No contact information needed. Really!

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

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

Are you concerned about a pre-existing medical condition?

What happens once I get a quote?

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.

$

Coverage Amount

$

Length of Coverage

Year Term

$

Year Term

Great, we're almost there!

We guarantee the lowest prices

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.

Do you use any form of Tobacco or Nicotine?

What type of tobacco or nicotine?

How often do you use tobacco or nicotine?

What type of tobacco or nicotine?

How long ago did you quit?

Do you take Blood Pressure medication?

Do you take Cholesterol medication?

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

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?

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?

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?

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.

$

Year Term

$

$

$

Year Term

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:

Great! Let's get started.

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

In order to qualify for Ladder term insurance:

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

What's Next

Great choice!

Your Quote Your Policy Edit

$

up to $

Your Profile

Basic Info

Health Info

^$

^$

^$

^$