Shop term life insurance policies for as low as $13/month.**

In just minutes, our in-depth shopping process can compare policies from multiple carriers and help you find the right amount of coverage at a price that works for you.

What is term life insurance?

Life insurance, specifically term life insurance, is the most affordable way to protect your family’s financial security if something were to happen to you. It gets its name from your option to choose the “term” or length and only buy it for as long as you need it. Typically, the length of term options are 10-year, 15-year, 20-year, 25-year or 30-year policies.

While term life insurance doesn’t build up a cash value like permanent (also known as whole) life insurance, it’s an especially smart and inexpensive way to gain peace of mind during the years when you’re building a nest egg for retirement, paying off a home mortgage or putting away funds for your child’s college tuition.

Learn more about what term life insurance is.

Ready to get a free term life insurance quote? We can compare coverage and rates from some of the most trusted insurance companies in just minutes.

How affordable is term life insurance?

There are several financial benefits to term life insurance, making it an affordable option. Since you only pay for it as long as you need it, term life insurance is considerably more affordable than whole or permanent life insurance. You may be able to find a $500,000 coverage 10-year term life insurance policy for as low as 43 cents a day.***

Use the life insurance calculator below to help determine how much life insurance you need.

Key Features of Term Life Insurance

Learn more about the many benefits and key features of term life insurance.

Multiple Term Lengths

Term life insurance provides coverage for a specific period of time, generally between 10 and 30 years.

Most Affordable

Most people between the ages of 18 and 75 can buy term life insurance. Premium costs are based on several different factors including health and age. Our rates for a 10-year term life insurance policy with $250,000 in coverage start as low as $9 a month.****

Pre-Existing Condition-Friendly

We partner with several carriers who are more likely to approve term life insurance for cancer survivors, individuals with diabetes and people who take medications for cholesterol, blood pressure and other conditions. In such cases, we’re able to shop on your behalf for the most affordable premiums for you.


If you should pass away while the policy is active, your beneficiaries will receive the benefit for the full amount of your policy (generally in a lump sum or as an annuity). In most cases, these proceeds are tax-free, but if taken in installments, potential interest could be taxable.

Flexible Payment Options

As the policyholder, you have the option to pay a monthly, quarterly, semi-annual or annual premium for the length of your term period—you can often get a discount for paying annually.

Fixed Premiums

Your policy remains active for the length of that period as long as you pay your premiums, and typically, your policy will be “guaranteed level,” which means your monthly premium amount never changes.

The easiest way to find the best life insurance and to receive a term life insurance quote is to let us shop more than 10 carriers for you in just minutes.