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If you’ve ever tried to shop around for the best term life insurance quotes and thought, “I shouldn’t have to give out this much information to get a quote,” you’re absolutely right.

In fact, many companies collect far more information than they actually need to provide you with a simple quote.

On Quotacy.com, you can get life insurance quotes without having to give your contact information.

You can compare the best term life insurance quotes for your particular needs without fear of getting bombarded with unwanted sales calls.

After anonymously running term quotes on yourself, how do you know which insurance company policy to choose?

We make comparing easy by including coverage details, company ratings, customer service information, add-on coverage options, and our unbiased advice.

How to compare your term life insurance quotes:

There are four easy steps you need to take when comparing term life insurance quotes on Quotacy.com:

  1. Enter basic information
  2. Choose your coverage and price
  3. Answer a few simple health questions
  4. Compare term life insurance quotes

After completing these steps, you can see what you’d pay for term life insurance and compare policies from nation’s best carriers. When you’re ready to move forward, applying online only takes five minutes.

To get a better understanding of what goes into these steps, we’ll go over each one with some helpful details.

It’s easy to compare affordable term life insurance quotes today at Quotacy.

Just looking for a ballpark price on life insurance?

Compare rates from multiple top-rated carriers all at once without giving your contact info.

Step 1: Enter basic information (anonymously).

You don’t need to enter your personal contact information to get life insurance quotes from multiple life insurance companies with our quoting tool.

no contact needed for Quotacy life insurance quote

To determine pricing and the best-fitting life insurance carriers, you will need to enter basic (anonymous) information. This includes the following:

1. Your zip code

Life insurance products vary by state. We’ll only show you policies sold where you live.

2. Your gender

Pricing is less expensive for women than men. Women live longer than men on average.

3. Your birth date

Your age is one of the biggest pricing factors. Basically, the older you are, the closer to death you are.

4. Your smoking status

Using tobacco and nicotine products can affect your pricing. Some carriers are more lenient depending on the situation.

Next: To view ballpark estimates for term life insurance, click the “Choose My Price” button.

Step 2: Use the sliders to adjust your price to suit your needs and budget.

Selecting your life insurance coverage amount and length of coverage couldn’t be easier.

Simply drag the slider buttons to the left to decrease or the right to increase until you find the coverage and price that fits your needs and budget.

When you make adjustments with the coverage sliders, it recalculates your estimated rate in real time.

» Calculate: See how much coverage is right for you with our life insurance needs calculator.

adjusting term life insurance in Quotacy life insurance quoting tool

The monthly price shown on the right is based off the information you provided on the previous page (zip code, age, gender, and smoking status) as well as the amount and length of coverage that you select.

Next: To get a more accurate quote, click “Customize My Quote” button

You will also have the ability to continue to adjust the sliders on the quote comparison page and before applying.

Step 3: Answer a few simple health questions to get accurate term life insurance quotes today.

To receive a more refined quote, simply answer a few easy health questions. This step is important for estimating the cost of protecting your family with more accuracy.

There are number of factors that affect the cost of term life insurance, but the following are the four most common:

1. Height/weight

Your build is one of the biggest factors for pricing because it helps carriers get a better understanding of your body composition and can be a quick indicator of possible health issues.

2. Tobacco usage

Cigarette usage results often in smoking rates. But, if you enjoy the occasional cigar, daily Nicorette, pipe, or chewing tobacco, you may be considered for non-smoker term life insurance rates with some companies.

3. Heart health

Blood pressure and cholesterol medications are common prescriptions, and your readings matter. Luckily, if your condition is under control, some carriers still give you the best rates because you take your medication.

4. Family history

Your price may increase if your parents or siblings have died from or have been diagnosed with heart disease, diabetes, or cancer younger than age 60. This is because there’s a higher risk of having the same diagnosis since these conditions can be hereditary.

After entering this health information, you’ll be shown your policy options from multiple life insurance companies with their ratings, along with your estimated pricing.

Next: To compare policies and prices from multiple life insurance carriers, click the “Compare Policies” button.

Step 4: Compare term life insurance quotes without having to shop around.

After entering your health information, you’ll be shown your policy options from multiple life insurance companies with their ratings and information, along with your estimated pricing.

choosing life insurance company on Quotacy life insurance quoting tool

(These quotes are for a 33-year-old female from Minnesota, who is a non-smoker with no heart issues or family history of genetic conditions.)

In the screenshot above, you see quotes ranging from $28.23 to $29.41 per month for a $500,000, 30-year term life insurance policy. Not shown are 7 additional options with the most expensive being $40.69 per month.

To help you compare the differences of all your options, check the “Ratings & Info” for more details and helpful information.

Each dropdown includes the following:

  • Your policy and coverage details
  • The life insurance company’s ratings
  • Customer service information
  • Additional coverage options (riders) available
  • Quotacy’s advice about the life insurance carrier

For most people, price is a big factor when selecting what life insurance policy to go with. Since all the carriers we work with are top-rated, you can feel confident you’re getting a great option even if it is the cheapest.

Once you find a policy that fits your needs and budget, your next step is applying, which only takes five minutes.

Next: To complete an online application for the policy you selected, click the “Continue” button.

We shop for you to get you the best policy for the best price.

After you apply for your term life insurance policy with Quotacy, you’ll be paired with a personal Quotacy agent.

They’ll review your application and shop the market to ensure you’re matched with the best life insurance company for your individual situation.

If another life insurance company is more likely to give you a better price, we’ll let you know and share your options with you.

Quotacy is sensitive to your price points, and if the insurance company ends up underwriting you to a price higher than originally predicted, don’t worry.

You can adjust the amount of insurance you are buying or the length of the coverage to fit within your budget. Our belief is that some life insurance is better than no life insurance.

Ready to see what you’d pay for life insurance? Start with a free quote today.

Not sure how much life insurance you need? Check out our free life insurance needs calculator.

About the writer

Headshot of Natasha Cornelius, a life insurance writer, for Quotacy, Inc.

Natasha Cornelius

Marketing Content Manager

Natasha is a writer and content editor at Quotacy. She is also co-host of Quotacy’s YouTube series. She can't get enough of life insurance and outside of work is also working toward her Chartered Life Underwriter designation. Connect with her on LinkedIn.