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So, What Is Term Life Insurance?

As we like to say, "In Plain English," it is simply, protection against the loss of life over a specific period of time.  Term life is also going to be the most affordable type of life insurance that you can purchase and the most simple.You can choose coverage options from 2 years all the way up to 30 years and coverage amounts from $50,000 up to $25,000,000+

term life insurance quotes

Term Life Insurance Policies


Term life gives you coverage for a specific amount of time and ends once the term period is over. It is going to be the most affordable type of coverage you can purchase. Below is a sample of how term life works.

Gender: Male

Age: 32

Health Rate: Preferred 

Smoker: No 

Length of Coverage: 30 Years 

Coverage Amount: $250,000 

Monthly Life Insurance Rate:  $21.63

Plan Rates and Options Provided by Havenlife.com 

Whole Life Insurance


Permanent life insurance is going to be more expensive on a monthly basis and will cover you for your entire life. It can build cash value and is usually for people with a high net worth. Below is a sample of how whole life works.

Gender: Male

Age: 32

Health Rate: Preferred 

Smoker: No 

Length of Coverage: For Life

Coverage Amount: $250,000 

Monthly Life Insurance Rate:  $145.00

Plan Rates and Insurance Option Provided by Principal Life

Types of life insurance.

Check out this quick summary of all of the different types of life insurance.

Need more information? Learn more about term life vs whole life.


Term Life

Whole Life

Return Of Premium Term Life

Universal Life

Duration

1 - 45 Years

Your Entire Life

20 - 30 Years

Your Entire Life

Guaranteed Death Benefit

Yes

Yes

Yes

Yes

Guaranteed Cash Value

No

Yes

No

Cash value can be depleted
when paying premium payments.

Monthly Premiums

Premiums can go up or be guaranteed level.

Premiums are guaranteed level.

Premiums can go up or be guaranteed level.

Premiums are usually determined by the customers.

Policy Notes

Policy cancels or has to be renewed at the end of the level term. 

Policy pays out at the end of the term along with any additional cash value.

Policy returns all the premiums paid into the policy at the end of the term.

Policy growth is based on market index rates.

Simply Insurance recommends a term life or return of premium plan for most of our shoppers over any whole life or universal life insurance products. 

How much life insurance do I need?

Most insurance companies allow you to purchase up to 30x your annual income, but we recommend that you have at the least 10x your annual income in life insurance.

So if you make $50,000 / year, a policy for $500,000 would be our suggestion. Just remember to buy life insurance that you can afford.

If the life insurance premium of 10x your annual income is too expensive for you, go down to 5x your income, just make sure you can cover your beneficiaries life insurance needs.

When you are looking at any of our quotes for  term life, you can always start off with the lowest term length for the maximum amount of coverage.

Myths About The Cost Of Life Insurance

The biggest myth about life insurance cost is that it's too expensive.  

A recent study from LIMRA found that 63% of people said they wouldn't get life insurance coverage because of its cost.

​However, the same study found that ​life insurance policy quotes are 80% LESS than what people thought they were.

Didn't think you could get cheap life insurance? Guess Again!

Best Term Life Insurance Rates By Age

If you are looking for the best term life rates based on your current age then check out some of our quick life insurance quote sample premium rates below:

Best term rates for women


AGE


$100,000


$250,000


$500,000


$1,000,000


25 Years Old


$8.25


$11.42


$16.83


$27.67


30 Years Old


$8.33


$11.63


$17.25


$28.50


35 Years Old


$8.50


$12.25


$18.50


$​31.00


40 Years Old


$​10.17


$​16.00


$25.58


$45.17


​45 Years Old


$12.92


$22.46


$38.92


$​71.83


50 Years Old


$​17.67


$​32.67


$58.08


$110.17


​55 Years Old


$25.50


$49.33


$90.58


$​175.17


​60 Years Old


$​40.75


$​79.54


$145.58


$285.17

Best term rates for women


AGE


$100,000


25 Years Old


$8.25


30 Years Old


$8.33


35 Years Old


$8.50


40 Years Old


$​10.17


​45 Years Old


$12.92


50 Years Old


$​17.67


​55 Years Old


$25.50


​60 Years Old


$​40.75

Best term rates for women


AGE


$250,000


25 Years Old


$11.42


30 Years Old


$11.63


35 Years Old


$12.25


40 Years Old


$​16.00


​45 Years Old


$22.46


50 Years Old


$​32.67


​55 Years Old


$49.33


​60 Years Old


$​79.54

Best term rates for women


AGE


$500,000


25 Years Old


$16.83


30 Years Old


$17.25


35 Years Old


$18.50


40 Years Old


$25.58


​45 Years Old


$38.92


50 Years Old


$58.08


​55 Years Old


$90.58


​60 Years Old


$145.58

Best term rates for women


AGE


$1,000,000


25 Years Old


$27.67


30 Years Old


$28.50


35 Years Old


$​31.00


40 Years Old


$45.17


​45 Years Old


$​71.83


50 Years Old


$110.17


​55 Years Old


$​175.17


​60 Years Old


$285.17

*Rates are based on a non-tobacco female with a preferred health rating looking for a 20 Year Term. 

Best term rates for Men


AGE


$100,000


$250,000


$500,000


$1,000,000


25 Years Old


$​9.00


$​12.88


$​19.75


$​33.50


30 Years Old


$9.08


$13.08


$20.17


$​34.33


35 Years Old


$​9.08


$13.50


$21.00


$36.00


40 Years Old


$11.50


$18.50


$30.58


$​55.17


​45 Years Old


$​15.75


$27.88


$49.33


$92.67


50 Years Old


$22.42


$41.42


$76.00


$​287.67


55 Years Old


$​33.83


$64.33


$121.42


$236.83


60 Years Old


$58.08


$111.00


$​207.67


$409.33

Best term rates for Men


AGE


$100,000


25 Years Old


$​9.00


30 Years Old


$9.08


35 Years Old


$​9.08


40 Years Old


$11.50


​45 Years Old


$​15.75


50 Years Old


$22.42


55 Years Old


$​33.83


60 Years Old


$58.08

Best term rates for Men


AGE


$250,000


25 Years Old


$​12.88


30 Years Old


$13.08


35 Years Old


$13.50


40 Years Old


$18.50


​45 Years Old


$27.88


50 Years Old


$41.42


55 Years Old


$64.33


60 Years Old


$111.00

Best term rates for Men


AGE


$500,000


25 Years Old


$​19.75


30 Years Old


$20.17


35 Years Old


$21.00


40 Years Old


$30.58


​45 Years Old


$49.33


50 Years Old


$76.00


55 Years Old


$121.42


60 Years Old


$​207.67

Best term rates for Men


AGE


$1,000,000


25 Years Old


$​33.50


30 Years Old


$​34.33


35 Years Old


$36.00


40 Years Old


$​55.17


​45 Years Old


$92.67


50 Years Old


$​287.67


55 Years Old


$236.83


60 Years Old


$409.33

*Rates are based on a non-tobacco male with a preferred health rating looking for a 20 Year Term. 

Best life insurance companies for instant term life insurance.

Company

A.M. Best Rating

S&P Global Rating

Fitch Ratings

BBB Ratings

Bestow Life

A+ (Superior)

A+ (Strong)

A+

A+

Ethos Life

A- (Excellent)

-

-

A+

Haven Life

A++ (Superior)

AA+ (Very Strong)

AA+ (Very Strong)

A+

Ladder Life

A- (Excellent)

-

-

A+

Questions people Commonly Ask Us

1. How Does A Term Life Policy Work?

2. Will Buying Life Insurance Affect My Credit Score?

3. What Does A Term Plan Cover?

4. Can I Get Life Insurance Online?

our Reviews Of The Top life insurance companies: 


Learn More About Term Insurance: