Get your quote same day.

Answer a few quick questions and one of our licensed agents will call you with prices from over 40+ A rated insurance companies. Approval depends on your health answers.

InsureTerm. Licensed insurance agents. Serving you.

What do you want this policy to do?

Pick any that apply.

Which state do you live in?

Prices and policies vary by state.

State

How old are you?

Age is the biggest part of your price.

Age

Please enter an age between 18 and 85.

A couple of quick ones that set your price

What is your sex?

Have you used tobacco or nicotine in the last 12 months?

That includes vapes and nicotine pouches. Tobacco users can still get term life. It usually costs more.

How would you rate your health?

A rough answer is fine. Your agent goes over the details with you before you apply.

Do you have life insurance now?

Coverage through work usually ends when you leave the job.

How much coverage do you want?

A simple starting point is 10 times your yearly income.

For how many years?

Many parents pick a term that lasts until their youngest is grown, or until the mortgage is paid off.

When's a good time for your call?

Our agents call between 9am and 8pm your local time.

Last step

Where should we call you?

Full name

Please add your full name.

Mobile number

Please enter a 10 digit mobile number.

So a licensed agent can call you with your price and answer your questions.

Please enter a valid email address.

Please check the box to agree, or call (305) 699-5857 to get your price by phone.

Something went wrong sending your request. Please try again, or call (305) 699-5857.

Thanks, {{ firstName }}. You're all set.Thanks. You're all set.

A licensed agent will call you at {{ phoneFmt }} {{ asapWhen }}

A licensed agent will call you at {{ phoneFmt }} in the {{ timeWord }}, your local time, with your price.

You also asked about coverage that lasts your whole life, so we'll price whole life for you too.

We'll reach you from this number

(305) 699-5857

Save it so you know it's us when we call or text.

Call us now

Want your price sooner? Call and an agent will price it with you on the phone.

Licensed insurance agents. Serving you.

A few quick questions. Then a licensed agent calls you with your price.

We use your answers to get your price and contact you. We don't sell your information. Privacy policy · Terms

Answer a few quick questions and one of our licensed agents will call you with prices from over 40+ A rated insurance companies. Approval depends on your health answers.

Who this is for

New parents.Coverage that lasts until your kids are grown.

New homeowners.Coverage sized to the mortgage, so your family keeps the house.

Self-employed and trades.No employer plan to fall back on, so this is your coverage.

How it works

Answer a few quick questions.No documents and no medical records.
Get a call from a licensed agent.At the time you pick, your agent checks term life prices from over 40 insurance companies for your age, health and amount.
Decide with no pressure.Ask anything and take your time. You decide if and when to apply. The insurance company sets the final price when it approves you.

How much coverage do you need?

A simple starting point is 10 times your yearly income.

That keeps your family paying the mortgage, the bills and the kids' costs if you're gone. For a closer number, add any debts you'd want paid off, then take away your savings.

Coverage through work is often only one or two times your salary, and it usually ends when you leave the job. A personal term policy stays with you.

Sample monthly prices

$250,000from $15 a month

$500,000from $23 a month

$1,000,000from $39 a month

Sample rates for a healthy nonsmoking man age 30, 20 year term, Florida, November 2026. For healthy nonsmokers age 30, $500,000 runs $18 to $23 a month. Rates vary by age, health, and coverage amount.

Who you'll talk to

InsureTerm is a team of licensed insurance agents.

We work with over 40 A rated insurance companies, so we can compare prices for you instead of selling one company's policy. The same agent stays with you from your price to your policy.

Getting your price costs nothing. If you buy a policy, the insurance company pays our commission.

Common questions

Ready to get your price?

A few quick questions. Then a licensed agent calls you with your price.