Get a personalized term life insurance quote today.

In just minutes, SelectQuote can help you find the right amount of coverage at the right price for you.

Get a personalized term life insurance quote today.

In just minutes, SelectQuote can help you find the right amount of coverage at the right price for you.

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 term 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, we can compare prices and coverage from the companies we represent and provide you with the best term life insurance quote available to you. We can also answer your questions about term life insurance and find opportunities to potentially save you money.

SelectQuote is Dedicated To:

Making sure you know all your options before deciding on a policy

Finding the best price for the coverage you need based on your unique needs

Matching you with the best carrier for your situation

Making sure you know all your options before deciding on a policy

Finding the best price for the coverage you need based on your unique needs

Matching you with the best carrier for your situation

How do I 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. The more you know upfront, the more accurate your quote.

When searching for a free term life insurance quote, you could 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 info

Even if you’re unsure about your answers, we can help figure out what the best term life insurance policy for your situation would be and find you the right coverage with the right carrier at the right price.

Term Life Insurance Quotes & Determining the Cost of Your Policy

The underwriting process for a term life insurance policy uses several factors to determine your monthly premium:

The Type of Policy You Choose

Term life policies are typically more affordable than permanent life policies. Term life premiums are fixed while permanent life premiums tend to increase about 8% to 10% for every year of age.

The Length of Your Term Life Policy

The longer your term, the more expensive your life insurance quotes can be. This is because the longer you have the life insurance policy, the older you get and the greater the chance that the insurance company will have to pay out the death benefit.

Your Age at Time of Purchase

Older individuals can expect to pay a higher premium for both term and permanent life insurance.

Your Gender

On average, men can expect to pay higher life insurance rates than women because the average lifespan of a male tends to be shorter than that of a female.

The Amount of Benefit You Choose

You can typically expect to pay a higher monthly premium when you choose a higher benefit to be paid to your beneficiaries.

Your Health at Time of Purchase

Most applicants must have a basic medical checkup. Some factors that might result in higher premiums include high blood pressure, high cholesterol, HIV/AIDS and hepatitis, hypoglycemia, chronic illness, nicotine use or recreational drug use.

Your Hobbies at Time of Purchase

Do you enjoy extreme sports like hang gliding, skiing or climbing? No surprise, you’re a bigger insurance risk, so you may see higher life insurance quotes for both term and permanent life insurance.

The Type of Policy You Choose

Term life policies are typically more affordable than permanent life policies. Term life premiums are fixed while permanent life premiums tend to increase about 8% to 10% for every year of age.

The Length of Your Term Life Policy

The longer your term, the more expensive your life insurance quotes can be. This is because the longer you have the life insurance policy, the older you get and the greater the chance that the insurance company will have to pay out the death benefit.

Your Age at Time of Purchase

Older individuals can expect to pay a higher premium for both term and permanent life insurance.

The Amount of Benefit You Choose

You can typically expect to pay a higher monthly premium when you choose a higher benefit to be paid to your beneficiaries.

Your Health at Time of Purchase

Most applicants must have a basic medical checkup. Some factors that might result in higher premiums include high blood pressure, high cholesterol, HIV/AIDS and hepatitis, hypoglycemia, chronic illness, nicotine use or recreational drug use.

Your Hobbies at Time of Purchase

Do you enjoy extreme sports like hang gliding, skiing or climbing? No surprise, you’re a bigger insurance risk, so you may see higher life insurance quotes for both term and permanent life insurance.

Your Gender

On average, men can expect to pay higher life insurance rates than women because the average lifespan of a male tends to be shorter than that of a female.

Buy the Best Term Life Insurance Policy for You

When you’re looking to purchase a term life insurance policy, it’s important to make sure it fits both your lifestyle and budget. 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.

Want to learn more about life insurance?

Find some more information about life insurance and a free quote from SelectQuote below.

We do the shopping. You do the saving.