Term Insurance

Term Life Insurance is often the best way to protect your family with the coverage you need, for the time frame you need it, at a price you can afford.

Term Insurance 4 Less

Term Life Insurance quotes are available here online and in an instant.  Our database of term insurance companies and their rates gives you the ability to compare term life insurance rates  from the best life insurance companies in the United States.

You can get your instant online term insurance quotes here.   Once you have your rates you can choose to apply right away, or you can call us toll free at 1-888-394-0971 should you desire to speak to a licensed insurance agent who will answer any questions or concerns you may have.

Buying a life insurance policy over the internet keeps you in charge of the process.  And at TermInsurance4Less we work for you, not the insurance companies.  Our role is to make sure you get the policy you apply for at the price you were quoted.

How long are my term insurance rates locked in?

For as long as you want.  You can guarantee the price of your term insurance coverage for 5, 10, 15, 25, even 30 years.  This allows you, the consumer, to only pay for coverage you need, for the exact amount of time you need it.

Essentially, this is the primary reason most people buy term insurance.  It allows you to cover and protect your family for a large amount for the lowest cost possible. 

Return of Premium Life Insurance

We even have policies that will return all the premiums you paid, when, at the end of the guarantee period, you are still alive.  Check out our Return of Premium Life Insurance page for more details on this exciting new option being offered by some of the best term insurance companies in the United States.

The main advantage of purchasing ROP term insurance is that the top companies that offer this type of coverage fully guarantee that the policy owner will have all the money paid on the plan refunded when the term is completed.

Return of premium plans are most attractive to applicants in good health and who are under age 50.  Since the premiums refunded are tax free, the rates of return for this group can often approach 7% to 8% tax free.

 

Instant Term Insurance Quotes Get instant term quotes from over 150 top companies! **Please use TAB key to proceed to the next question field, not the ENTER key.**

Enter Information Below      * required field Birthday (mm/dd/yyyy) /                  /                  Sex Male Female Health Class - - Select a Health Class - - All Non-Tobacco Classes All Tobacco User Classes Preferred Best Non-Tobacco Preferred Non-Tobacco Standard Non-Tobacco Preferred Tobacco User Standard Tobacco User State - - Select a State - - Alabama Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington D.C. West Virginia Wisconsin Amount of Insurance - - Select an Amount - - 25,000 50,000 75,000 100,000 150,000 200,000 250,000 300,000 350,000 400,000 450,000 500,000 550,000 600,000 650,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 1,100,000 1,200,000 1,300,000 1,400,000 1,500,000 1,600,000 1,700,000 1,800,000 1,900,000 2,000,000 3,000,000 4,000,000 5,000,000 10,000,000 15,000,000 20,000,000 25,000,000 30,000,000 35,000,000 40,000,000 45,000,000 50,000,000 Desired Term Length - - Select a Term - - All Terms 5 Years 10 Years 15 Years 20 Years 25 Years 30 Years First Name *   Last Name  *   (xxx) xxx-xxxx   Work Phone  (xxx) xxx-xxxx Email Address  ***

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Do I need to take a life insurance exam?

To get the best low cost term insurance rate a brief, free, medical exam is usually required.  This physical exam is done at your home or office by a nurse who is paid by the insurance company.  However, in many instances it is possible to get a term insurance policy with no medical exam.

The cost of these plans is usually a little more, but, you can be approved in minutes with some companies and in a few days with others.  Also each company that offers no exam life insurance limits the coverage you may obtain.  For most insurance companies the maximum amount of term insurance coverage is limited to $250,000 or less.

Get more information on no exam life insurance.

Can I get information on other types of life insurance here?

Absolutely.  In addition to our Instant Term Life Insurance Quote service, we provide information and quotes for Whole Life Insurance, Universal Life Insurance, Single Premium Life Insurance, as well as Survivorship/Second to die plans.  You can even shop for small Burial Insurance plans at this website!