Find the best term life insurance quotes.
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Types of Term Life Insurance.
Common Level Term Lengths.
5 Year Term.
A five year level term insurance policy is for short term obligations. A ten year term is typically cheaper than a five year policy. Very few term insurance companies offer a 5 year term policy.
10 Year Term.
A ten year level term insurance policy is the most affordable option at any age. If your budget is tight this is the plan for you. You can buy the most death benefit for your dollar with a 10 year plan.
20 Year Term.
A twenty year level term insurance policy is great to cover you when a child is born. Get coverage until your children become adults. Covers you right up to the point where the kids leave the nest.
30 Year Term.
A thirty year level term insurance policy is for the longer obligations. It is great for covering things like mortgage loans. A mortgage payment is the one thing you never want to leave your family with.
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FAQ
Optional Term Riders.
Top Reasons to Buy Term Life.
Male Term Life Insurance Rate Chart.
Preferred Best – Nonsmoker Rates – 20 Years.
These term rates are subject underwriting.
Age | $100,000 | $250,000 | $500,000 |
---|---|---|---|
30 | $9 | $13 | $21 |
35 | $9 | $14 | $22 |
40 | $11 | $18 | $30 |
45 | $16 | $29 | $52 |
50 | $22 | $43 | $80 |
55 | $34 | $66 | $127 |
Female Term Life Insurance Rates.
Preferred Best Nonsmoker Rates. 20 Year.
These term rates are subject underwriting.
Age | $100,000 | $250,000 | $500,000 |
---|---|---|---|
30 | $8 | $12 | $18 |
35 | $9 | $12 | $19 |
40 | $10 | $16 | $26 |
45 | $13 | $23 | $41 |
50 | $18 | $32 | $58 |
55 | $25 | $50 | $94 |
Find the best rates.
How much term life insurance do I need?
D.I.M.E
Debt.
The D stands for debt. This would be any outstanding debts, minus the mortgage. Like credit cards, personal loans, car loans, student loans, business loans, etc. Having money to eliminate any outstanding debts will give your surviving loved ones a much better chance for financial success.
Income.
The I stands for income. Typically people will want to replace income for at least 10 years if they were to die. Local Life Agents personally recommends replacing income for 20 years if possible. If your family depends on your paycheck then you want to make sure you replace it.
Mortgage.
The M stands for the mortgage. If you don’t take out enough insurance to replace income. At least take out enough to pay off your mortgage. Being able to pay other bills will be much easier on your loved ones if you no longer have a mortgage to pay.
Education.
The E stands for education. This could be private school or college education costs you may want to provide for your children. College cost is on the rise, so over estimating the cost is wise. Education is directly tied to your children’s future success.