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Free Term Life Insurance Quotes

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. Sorting through all the options, prices and fine print can be intimidating, though. When you work with SelectQuote, you’ll receive free term life insurance quotes from some of the most trusted insurance companies in just minutes.

Whether you’re interested in a 10, 15, 20, 25 or 30 year term policy, we can compare prices and coverage from the companies we represent and provide you with term life insurance quotes available to you. We can also answer your questions about life insurance and find opportunities to potentially save you money.

Why Buy Term Life Insurance with SelectQuote

We work with some of the most trusted life insurance carriers and can offer unbiased guidance while comparing prices and policies for you. Term life insurance can often be the most straightforward type of life insurance you can buy, but you still want to make an informed choice—and we can help you do just that.

Who needs term life insurance?

Term life insurance is a great way to ensure your family and loved ones are financially protected no matter what stage of life you’re in. If anyone else is relying on your income, or your loved ones could be left with unexpected bills and payments, you should be considering life insurance. Additionally, people who fit the following profiles typically look for life insurance coverage:

Recently married
Starting a family
Just bought a house
Business owners

Six benefits of term life insurance

There are several benefits of term life insurance:

Multiple Term Lengths – As the name suggests, term life insurance is available in a number of term length options, meaning you only have to have it for as long as you need it. Some of the most common term lengths range between 10 and 30 years.
Most Affordable – Because term life insurance doesn’t build a cash value and only covers a specific period of time, it’s often less expensive than whole life insurance. Plus, the younger and healthier you are, the greater your chances of a lower rate
Pre-existing Condition-friendly – At SelectQuote, we work with trusted insurance companies that have historically found coverage for customers having trouble finding life insurance elsewhere.
Tax-free – If you pass away, your beneficiaries will receive the benefit for the full amount of your life insurance policy, and in most cases, these proceeds are tax-free.
Flexible Payment Options – With term life insurance, you have the option to pay a monthly, quarterly, semi-annual or annual premium for the length of your policy. You can often get a discount for paying annually vs. monthly.
Fixed Premiums – Term life insurance policies remain active for the length of that period as long as you’re paying your premiums. Typically your policy will be “guaranteed level,” meaning your monthly premium amount never changes.

How-To Get a Free Term Life Insurance Quote

Getting a free term life insurance quote is as easy as giving us some information about your situation and your needs. SelectQuote takes the time to get to know you and your situation and can help match you with a policy that will provide you adequate coverage. The more you know upfront when answering questions during the life insurance application process, the more accurate your quote will be.

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What personal information is needed to receive a term life insurance quote?

When searching for a free term life insurance quote, you may be asked to share some of the following:

Personal information (gender, age, height, weight, etc.)
Health and medical information (tobacco usage, driving history, health conditions, hobbies, etc.)
Family health history
Previous or current coverage
Contact information

Factors that Impact Your Term Life Insurance Quote

There are several factors that go into determining your monthly premiums:

The amount of benefit you choose
The length of your term life policy
Your age at the time of purchase

Your gender
Your health at the time of purchase
Your hobbies at the time of purchase

See What People Said About Purchasing Life Insurance With SelectQuote

Start Your Free Life Insurance Quote Today

At SelectQuote, we can provide term life insurance quotes in just minutes and help you determine what amount of coverage is right for you and your family.

Start My Free Quote

Still have questions? Learn more about term life insurance with SelectQuote.

We can help you compare quotes, navigate the application process and answer any questions you may have about life insurance.

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Privacy Policy | Legal | Disclosures Accessibility

SelectQuote does not sell Life Insurance in South Dakota.

SelectQuote Insurance Services has no control over rate information posted in the reviews above through Trustpilot. Your plan could vary depending on your age, health, issuing company and other factors. Not available in all states.

50% savings is based on published rates from a National Carrier as of March 2022 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for $49.14/month ($565.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $17.85/month ($209.99/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Best's Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best's Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best's Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best's Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx

* All policies are Protective Classic Choice Term 10. Policy is a level death benefit term life insurance policy to age 90, policy form number ICC16 TL-21/ TL-21, and state variations thereof, issued by Protective Life Insurance Company in all states except New York where it is issued by Protective Life and and Annuity Insurance Company policy form number TL-21-NY 4-16. Both companies located in Birmingham, AL. Policy form number and features may vary by state. Consult the policy for benefits, riders, limitations, and exclusions. Subject to underwriting. Up to a two year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims paying ability of the issuing company.

Policies issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue, or deliver policies or contracts in the state of New York. AGL is responsible for financial obligations of insurance products and is a wholly owned subsidiary of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by AGL. Guarantees are backed by the claims-paying ability of the issuing insurance company. Products may not be available in all states and product features may vary by state.

**https://www.who.int/gho/women_and_health/mortality/situation_trends_life_expectancy/en/

50% savings is based on published rates from a National Carrier as of October 2022 for a 40-year-old male in excellent health with high blood pressure for a $500,000 10-year term policy for $39.14/month ($450.00/year) compared to the lowest available rate from one of the insurance companies SelectQuote represents of $17.73/month ($209.85/year). Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Example rate is lowest available rate from SelectQuote carriers for a 40-year-old male in excellent health for a $500,000 10-year policy at $17.85/mo ($209.99/yr) in December 2021. Final rates will be based on the insurance company’s underwriting and a more complete review of the consumer’s health. Savings may also vary by term, policy amount, and state.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/home/ratings.aspx

SwiftTerm Select is a term life insurance policy issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004. Policy form number is ICC22_LC1 in most states and is not available in all U.S. states or any U.S. territory.

Guarantees and benefits are subject to the claims-paying ability of the issuing life insurance company.

SelectQuote Insurance Services, Inc. is an independent producer and is responsible for the creation of this quote, including accuracy of rates and Symetra is not responsible for any errors or omissions in this information. All information and data in this quote are for illustrative purposes only; actual premiums and coverage will be based on age, health history, certain underwriting criteria, sex, and nicotine usage.

In the event that there is a discrepancy between the information contained in this quote and the Symetra policy, the Symetra Life insurance policy shall govern.

Symetra Life Insurance Company's current financial strength ratings can be found by referring to www.symetra.com/ratings.