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Compare term life insurance quotes in seconds

Your family’s financial security is priceless—protect them with affordable coverage today

Get started

Compare term life insurance quotes in seconds

Your family’s financial security is priceless—protect them with affordable coverage today

Get started

As seen in Barron's, Coverager, Forbes and more.
As seen in Barron's, Coverager, Forbes and more.

How to get term life insurance quotes

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Choose the coverage your family needs

Calculate your life insurance needs.

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Get competitive term life insurance quotes online without sharing your contact info. Compare top-rated plans side-by-side.

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Submit your application in under 5 minutes online at Quotacy.

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Essential facts about term life insurance

Affordable term life insurance puts financial security within reach

If you die within your policy’s term, your life insurance company pays your death benefit to your family—giving them a lump sum check when they need your financial support most.

Term life insurance provides flexible coverage

Use the flexibility of term life insurance to your financial advantage by purchasing multiple policies to cover the varying needs of your family.

Term life insurance policies may last up to 40 years with coverage amounts available from $50,000 to $65 million—or more.

Laddering policies maximizes your protection for less money in premiums.

For example, you may need a 30-year policy to cover your mortgage, but only a 10-year term life insurance policy to cover your student loans until they are repaid.

All types of couples and families may purchase term life insurance

Whether you are single or married—domestic or LGBT+ partners—you can get affordable term life insurance to protect your loved ones from Quotacy.

Get the best term life insurance rates for your lifestyle

It’s possible to get term life insurance if you face medical or financial challenges, have a driving record, work a high-risk job, or are active in the military.

We help all types of people get insured every day at Quotacy.

Our experienced agents and underwriters can advise which term life insurance company is most likely to approve you with the best rates possible for your lifestyle.

Protect your loved ones from inheriting your debt

A term life insurance policy protects your family from lingering debt—if you should unexpectedly die before your loan has been repaid.

Co-signers of loans or primary borrowers can benefit from purchasing life insurance in the amount of the loan.

Policy riders add value to your coverage

Term life insurance policy riders add value to your policy by covering different stages of life from birth to death.

Wondering which policy riders are essential for you?

Our advisors are happy to assist you via phone, email, text or livechat.

Term life insurance payouts are tax-free

Most life insurance plans offer tax-free payouts exempt from federal and state income tax.

Consult with your tax advisor if you are naming your estate as your beneficiary.

Your age affects your term life insurance rates and policy options

You can get term life insurance quotes and find great coverage if you’re age 16 to 80.

Your term life policy’s rates are locked in based on your age at purchase and won’t increase over the life of your policy. The younger you are, the less you will pay for your coverage.

Generally speaking, life insurance rates increase at age 50. Plan ahead to purchase a policy before you hit the big 5-0 to save money protecting your loved ones or business.

In addition, if you’re age 50 to 80, you can get final expense insurance with no medical exam today.

All your life insurance questions, answered

Learn how to choose the right plan for your family

Your term life insurance primer

How does term life insurance work?

Term life insurance is the most common type of life insurance owned in the USA as it is affordable and easy to purchase. Term life insurance pays a lump sum to your family or business upon your death if you die within your policy’s term.

Choose your coverage amount and coverage length based on your financial needs.

Coverage amounts range from $50,000 to $65 million or more based on your income or net worth. Coverage lengths last for 10, 15, 20, 25, 30, 35, or 40 years—or create your own custom term length when you buy your policy.

Our advisors can assist you in determining your coverage needs or use our handy online life insurance needs calculator.

How much insurance do I need?

The amount of money that you wish to provide your family or business upon your death is up to you.

Use our free online life insurance calculator to easily estimate your needs.

We suggest that you consider buying a policy that a) simply covers 10 times your income or b) calculate your coverage amount based on your financial obligations minus your savings.

Here’s how to calculate your financial obligations minus your liquid assets in a few simple steps:

  1. What is your annual salary? ($80,000)*
  2. Multiply your annual salary by the number of years you wish to replace your income ($80,000 x 10 years = $800,000)
  3. What other debt do you carry? (mortgage, car or student loans, credit cards = $250,000)
  4. What future costs do you anticipate? (college tuition = $250,000)
  5. Calculate your total financial obligations by adding your numbers from steps 2 to 4. ($1,300,000)
  6. Subtract any liquid assets, savings, or life insurance policies you own. ($1,300,000 – $300,000 = $1,000,000)

Your total sum from step 6 is the amount of life insurance coverage to purchase.

*If you’re a stay-at-home parent, substitute the cost to replace your child care and other domestic services for your annual salary in step 1. The annual cost to replace a stay-at-home parent’s contribution to a family averages $145,000 across the USA, but varies by state.

How much will I pay for coverage?

The higher your risk of death, the more you will pay for your term life insurance policy.

Common risk factors that life insurance companies use to evaluate applicants are:

We work with the life insurance companies to get you the best rates for your needs and lifestyle.

Our underwriters will evaluate your risk factors to ensure that you’re applying with the best company for your lifestyle. If not, we’ll contact you to discuss your options as part of our service to you.

Our life insurance agents work on salary—not commission. They take pride in offering friendly service without any sales pressure.

If you’re curious about our hassle-free customer service, read our TrustPilot reviews.

How do I compare my term life insurance quotes?

Our quotes tool allows you to easily compare term life insurance rates and apply online at Quotacy in less than 5 minutes.

Get your quotes by simply entering your:

  1. age,
  2. gender,
  3. zip code, and
  4. smoking status.

In seconds, Quotacy shows you a range of policy rates based on the coverage amount and term length you’ve selected without requiring your contact information.

Easily compare your policy options side-by-side from your laptop, mobile, or tablet on your own time without any sales pressure. Then apply online in under five minutes.

Curious to test drive our quoting tool?

Compare your term life insurance quotes now

What happens after I apply?

Your life insurance company will either approve you via accelerated underwriting or you may complete a brief phone interview and medical exam.

Once you’re approved, you’re insured until you choose to cancel your coverage or until your policy’s term is over.

Before your term life insurance policy ends, you may choose to convert it to a whole life insurance policy that will last your entire life.

Our agents are happy to help you service your policy. Contact us for assistance.

What types of insurance does Quotacy sell?

Quotacy offers comparison quotes and sells many types of insurance policies, including:

  1. Term life insurance
  2. Whole life insurance
  3. Final expense life insurance
  4. Individual disability insurance

Our agents are happy to help you determine the best plan for you.

Contact us for a free, no-obligation insurance consultation with one of our experts today.

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