10, 20 & 30 Year Terms • Licensed in All 50 States
Big protection, built around your family.
Compare term life rates from top-rated carriers in about a minute. Ideal for mortgages, income replacement, and young families who need maximum coverage at the lowest cost.
Independent • Licensed • No pressure
Up to $2M+
Coverage available
10-30 yrs
Term lengths
1 min
To get started
$0
Cost to compare
WHY TERM LIFE
Maximum protection for the years that matter most.
Term life gives you the most coverage for the lowest premium during the years your family depends on your income most.
Level Premiums
Your rate is locked in for the full term - 10, 20, or 30 years - no increases.
High Coverage Amounts
Up to $2M+ available, sized to your mortgage, income, and family's needs.
Convertible Later
Many term policies can convert to whole life later without a new medical exam.
Best Value for Younger Applicants
The younger and healthier you are, the lower your locked-in rate.
IS TERM LIFE RIGHT FOR YOU?
Built for these moments in life.
New Mortgage
Protect your family's ability to keep the home if something happens to you.
Young Kids at Home
Replace your income until your kids are grown and independent.
Growing Career
Lock in a low rate now while you're young and healthy - rates only go up with age.
HOW IT WORKS
A minute now. Decades of protection.
01
Tell us about you
Age, state, health, and how much coverage you want. Takes about a minute.
02
See real term rates
We compare top-rated carriers and show your best term options.
03
Apply with confidence
A licensed advisor helps you finalize, with no pressure.
BEFORE YOU COMPARE
Term life questions, answered.
How much term coverage do I need?
A common guideline is 10-12x your income, plus any debts like your mortgage, plus a college/education fund. Our free planner can walk you through it in a few minutes.
What happens when my term ends?
You can typically renew at a higher rate, convert to a whole life policy, or shop for a new term policy. We'll help you figure out the right move when the time comes.
Can I get term life with a health condition?
Yes. Many term carriers approve applicants with common conditions like high blood pressure or diabetes - we help match you to the carrier most likely to approve you at a good rate.
Start your free term life quote
No spam, no obligation, no pressure. A licensed advisor responds within one business day.
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An independent comparison service that helps families find the right life insurance policy from top-rated carriers with no pressure and no hidden fees.
Disclosures & Compliance
Life Quote Shopping is an independent insurance comparison service. We are not owned by or affiliated with any single insurance company. If you purchase a policy through us, we may receive a commission from the insurance company you choose — this does not increase your premium. Quotes are estimates; final premiums, eligibility, and terms are determined solely by the insurance company after underwriting. Using this site does not guarantee coverage or a specific rate.
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