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 have a licensed agent answer any questions in a clear and understandable manner.

Buying a life insurance policy through us 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?

The term insurance quotes you receive can be for coverage that is provided, with no increases, for periods of 5, 10, 15, 20, 25, even 30 years.  This allows you 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 of life insurance for the lowest cost possible. 

Return of Premium Life Insurance

Rates are also provided for 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

The main advantage of purchasing "money back" term insurance is that the top companies offering 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.

If you live you get all your premiums paid returned to you.

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 effective annual rates of return for this group can often approach 4% to 5% tax free.  Taxable equivalent yields would depend on the insured's tax bracket. 

Instant Term Insurance Quotes The best and lowest instant term quotes from over 200 top companies!

Name:

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Birthdate: January February March April May June July August September October November December / 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 / 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985

State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. Columbia Florida Georgia Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico NY Personal NY Business North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Sex:    Male Female

Used Tobacco in Past 2 years:    Yes No

Health Rating: Preferred Plus Preferred Standard Plus Standard

Coverage Amount: $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $325,000 $350,000 $375,000 $400,000 $425,000 $450,000 $475,000 $500,000 $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 $1,250,000 $1,300,000 $1,400,000 $1,500,000 $1,750,000 $2,000,000 $2,250,000 $2,500,000 $3,000,000 $3,500,000 $4,000,000 $5,000,000

Level Term Period: 1 Year Level Term 5 Year Level Term 10 Year Level Term 15 Year Level Term 20 Year Level Term 25 Year Level Term 30 Year Level Term 35 Year Level Term 40 Year Level Term To Age 65 To Age 70 To Age 75 To Age 80 To Age 85 To Age 90 To Age 95 To Age 100 To Age 105 To Age 110 Other Term 10 Year Return of Premium 15 Year Return of Premium 20 Year Return of Premium 25 Year Return of Premium 30 Year Return of Premium To age 65 Return of Premium To age 70 Return of Premium To age 75 Return of Premium Other Return of Premium To Age 121 Level (No Lapse U/L) To Age 121 Level - Pay to 100 To Age 121 Level - Pay to 65 To Age 121 Level - 20 Pay To Age 121 Level - 10 Pay To Age 121 Level - Single Pay

Quotes provided by VAM dB

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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 $300,000 or less, although some companies over more in certain situations.

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!