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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!

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.

We guarantee the lowest prices

For a more streamlined experience, the next bits of info will help us help you better.

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.
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

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.
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.
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 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

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. 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

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

We’re a life insurance broker that helps you cast a wider net. In minutes, you can compare quotes from top-rated companies and apply easily online. Plus we will NEVER sell your info.