Term life insurance
— simple, affordable protection
Term life provides a fixed death benefit for a specific period (10-30 years). Lock in low rates while you're young and healthy — perfect for mortgage, kids' college, and income replacement.
- ✔ Level premiums — never increase during term
- ✔ Convertible to permanent insurance (no medical exam)
- ✔ No medical exam options up to $1M coverage
- ✔ Renewable annually after term ends
- ✔ Coverage from $50k to $10M+
⚡ 2026 Sample Rates (monthly)
Choose the right term for your needs
10 Year Term
Lowest premiums. Ideal for short-term needs: business loan, child support obligations, or gap coverage.
15 Year Term
Matches typical mortgage timeline. Protects family until home is paid off.
20 Year Term
Most popular. Covers until children finish college. Great balance of cost and length.
30 Year Term
Longest protection before retirement. Locks in rates for three decades — ideal for age 25-40.
Convertible Term
Option to convert to whole/universal life without medical exam — even if health declines.
No Medical Exam Term
Accelerated underwriting. Approval in days, not weeks. Coverage up to $1M.
Get term life coverage in 3 minutes
No phone calls, no waiting — completely online and secure.
Age, gender, coverage amount, term length, and health class (tobacco use).
Our engine pulls real-time quotes from 40+ A-rated insurers in seconds.
Complete application digitally — many policies issued within days, no medical exam required.
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⭐ Compare quotes from Protective, Banner Life, Lincoln Financial, AIG, Prudential, Nationwide, John Hancock, and more.
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2026 rates are live. See how little you could pay to protect your family. No obligation, no spam, no phone calls required.
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🏆 2026 Rate Insights
Term life for healthy 35yo: $500k/20yr ~ $22/month | $1M/20yr ~ $35/month. Lock in rates while young — premiums increase with age.
📋 Why choose term life?
Most affordable life insurance. Perfect for mortgage protection, income replacement, and children's education. Simple, predictable, and convertible.
⚡ No medical exam options
Accelerated underwriting for healthy applicants — coverage issued in days. Final expense guaranteed acceptance for seniors.
Why choose our term life comparison?
We show quotes from 40+ top insurers — no hidden preferred providers.
You control how you receive quotes. No aggressive sales calls.
Partner agents are licensed in your state to answer coverage questions.
Many term policies offer same-day decisions and instant electronic delivery.
✅ Join over 3 million customers who compared term life rates in 2025-2026. Start today — it's free, fast, and secure. Protect your family for less.