You would think it would be easy for you to get term life insurance quotes without personal information these days without a hassle.

But the process for obtaining life insurance coverage has been shrouded in mystery and most people won't buy insurance simply because they don't understand it.

life insurance quotes no phone calls

Over the years I have assisted thousands of customers with understanding how does term life insurance work, and the insurance buying process and they all have suffered from the same bad process.  

Today, I will take you through the back-end of the online insurance buying process and show you how to get term life insurance quotes without personal information the easy and simple way.

Life Insurance Tech Just Caught Up To 1991

As with any product or service these days, when you think about buying something there are a few steps you will take:

  • Get on the Internet.
  • Do some research on the product you want.
  • Find a company or product that you like.
  • Make a buying decision
  • Buy the product.

By the end of the day, you have done all of the above steps and moved on with your life. 

For some reason, the Life Insurance Industry had completely skipped this part of the process when it came to getting a life insurance quote and trying to buy term life insurance online instantly.

But here’s the kicker:

Buying life insurance online has been like the equivalent of waiting on your AOL dial-up internet to finish connecting.

Once you have actually connected to the internet and heard that famous "You've Got Mail" line.

You type in the website address you want to browse, hit the enter key and "BAM", all of your excitement is put on hold by the 5 minute page load time.

By the time the page has loaded you have lost all interest in what you wanted to look at in the first place.

This has caused people to not only hate the process of buying insurance but has also caused many people to lose their interest in buying life insurance in the near future.

In some cases, customers have had to disconnect phone numbers they have had for years due to all the phone calls that can come just for requesting a quote.

Of Americans Don't Own Life Insurance

Until just recently there really was no simple way to apply for life insurance coverage and move on with your life, you almost always had to commit 3 months to the process.

Millennials are even using search terms like: millennials life insurance - to find insurance products that are quick and easy to purchase.


Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of getting your quotes and applying.

The Reason You Look For Life Insurance

Most of the time there is a life changing event that will cause someone to look into buying life insurance.

Life Insurance "in plain English": Protection against the loss of a life.

It could be a wedding, a death in the family, the birth of a child, a divorce or a job loss, the list goes on.

When this "life event" happens, a majority of the time people know they need Life Insurance yet they are unsure about how to get covered.

They are also faced with the often confusing Term Life vs. Whole Life or the How does life insurance work question.

"in plain English":

Whole Life Insurance is life Insurance that will cover you for your whole life.

Term Life Insurance is life Insurance that will cover you for a certain length of time.

These terms can be 5, 10, 15, 20 or 30 years but, the average term length people normally get is 20 years.

Due to the much lower premiums and the amount of coverage you can get, the majority of people are going to choose a term life product. 

You can read more about the different types of insurance policies here.

So let’s recap, at this point, you have had a life event, and figured out what type of insurance you want.

Now it’s time to search for the best quote you can find, and get covered, but, this is where all the phone trouble begins.

The Secret Agents Don't Want You To Know

You’re all set and you have decided that you want a term life policy for 20 years and you are ready to find the best quotes from some great companies.

You type “term life insurance quote” into your search browser and you get the below results:

term life insurance quotes without personal information

As you can see above there are plenty of options to choose from and the list just keeps on going.

The insurance companies all have different names and all seem to have their own products that they are offering.

The majority of the people will click on one of the first 3 options and for this search the top site is Term4Sale, now here is where things get tricky.

You are on the homepage of this site and you immediately fill out the required form to get your quote.

You click the button to go to the next step expecting some instant term life insurance quotes and guess what, there are no quotes.

Just a message that says “Our agent will be contacting you soon”, bummer right?

Of The U.S. Prefer Buying Life Insurance Online

As a matter of fact if you look below you probably missed this disclaimer:

life insurance quotes without phone calls

Image taken from

This means that 90% of the time when you think you are about to get a quote.

You have not only given Term4Sale the right to call you but also automated systems and many agents.

To be frank, most of all the places you want to get a quote online from has the same language, see below for 3 more sites:

term life insurance quotes online without personal information

Image taken from

life insurance quotes without personal info

image taken from

life insurance quote without personal information

Image taken from

So let’s say you have visited the above 4 sites and you are trying to get a quote so that you can get covered.

Well, this is the core of the dirty phone secret and where all your problems will start.


Life insurance by state.

Yes, Agents Are Buying Your Information

Let’s go even deeper into this:

The way this process works is that a majority of these websites are a “Front” for Insurance Lead Vendors.

This means they don’t even actually sell life insurance. 

term life insurance quotes no phone calls

What they do sell, however, is your information and your interest in getting covered.

When you look at sites like NetQuote and they are the actual companies that own the websites.

When you put your information in one of their forms, you have actually put it into a huge database. 

And an Insurance Agent, like myself, is ready to pay for, and compete for your attention.

It gets worse:

Your information was sold and now that you are in the database, you will be tasked by each Insurance Lead Vendor as a specific type of lead.

Traditionally you will be a Shared Lead and there will normally be a Lead Cap associated with your information as well.

A lead cap indicates the largest number of times a shared sales lead can be sold.

Shared Lead "in plain English": A lead that is sold to more than one insurance agent.

For example, a lead cap of 5 indicates that a lead may be sold up to five different times. It’s the potential largest number of times a lead can be sold.

Keep In mind that leads will not necessarily be sold that many times if there are not enough agents to buy the leads.

Some lead generators sell leads with a lead cap of 8, 9 or even 10.

So now you can see where this is going to go and how calls can start to add up.

You Just Opted-In For 100 Agents To Call You

So far, you have taken all the right steps, you had a life event that triggered your need for life insurance.

You went online and did your research to find out exactly what type of life insurance you need.

You researched a few companies and then you filled in your information to get some quotes.

Then it starts, you went to 10 websites and requested a quote from each one.

term life insurance quotes without personal information

A 2016 Study by LIMRA and Life Happens found that 50% of online shoppers went to a quoting engine website, typically once they had a good idea of what they wanted to buy.

These sites have each sold your information 10 times as a shared lead.

Each agent has paid anywhere from $8.00 to $15.00 for your information and they all want to sell you something.

In the insurance industry, each agency has a follow-up goal for agents.

For me, I was told to call you within 30 Seconds of receiving your information and to continue to follow up daily.

This means within the first 30 Seconds you probably have missed several calls and did not pay it any mind.

Within the next day, all your information would have been sold to the max amount of agents

What's the bottom line? 

Your phone will not stop ringing for probably a whole 2 months.

These calls won’t stop even after you have made a purchasing decision.

You will become paranoid about answering your phone when it’s just your friends or family calling.

There have been more than several instances where I would reach out to an old lead via email, only to find out that the calls were so overbearing, that the client changed their phone number.

Most of my clients were heartbroken because the phone numbers had stayed with them most of their life.

They didn’t want to give their number up but had no choice since they couldn’t stop the calls.

It’s really easy to think you can just add them to the do not call list, but one agent can call you from 3 different numbers. has even created a post about how to get rid of telemarketers and it isn’t always an easy task.


Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of getting your quotes and applying.

Term Life Insurance Quotes Without Personal Information

If you attempt to obtain a quote and you are required to put in your name, e-mail address or phone number then you might want to think twice and find a site that doesn't require it.

The best way to avoid this problem is to get term life insurance quotes online without personal information and to then buy your life insurance policy 100% online.

Right now there are two types of insurance products that allow you to do this:

1. Online Term Life Insurance

A new type of life insurance product that allows you to complete the buying process 100% online without an agent and to get immediate coverage for those who qualify.

According to LIMRA, this year only 15% of consumers stated that they completed and submitted a life insurance application online.

Over the next few years, as millennials start to age, I would expect this number to increase heavily.  

Millennials are much more experienced online shoppers than any of the current insurance buying generations and are more likely to buy life insurance online.

It get's better:

Companies like Haven Life, use a proprietary algorithm for their InstantTerm product, companies like Ladder Life use their unique Laddering system.

You can check out our in-depth Haven life reviews and our in-depth Ladder Life Insurance Review and Fabric Life Insurance Review.

When you combine their algorithm with the Medical Information Bureau and Intelliscript.

They are able to actually start underwriting your application while you are filling it out online for an immediate decision.

Underwriting "in plain English":   The process of determining if you are able to get insurance.

These products, at the moment, are geared toward people who have average to excellent health and are a part of the millennial age group.

Online Term Life Insurance gives you coverage up to $1,000,000 and at times, can offer even lower rates than companies that require a medical exam.

This is a great product for someone who wants a solid amount of coverage with the possibility of the lowest rate and to have a decision in under 25 minutes

With these products, you do not need to talk with an agent and they give you the ability to sign up 24 hours a Day 7 Days a Week.

There are no extra cost for you if you decide to buy this type of product either.

How you can apply for online term life insurance: 

If you check out the video below, you can see that it is really easy to apply for this Online Term Life Insurance product through Haven Life.

1. Tell Us About You

Put In Basic Information: No Name, Email Address or Phone Number Needed.

2. Get A Quote

Get a Quote based on the most basic information you provided.

3. Apply Online

Fill in your remaining information and add your personal e-signature

That’s It… you're done!

2. Simplified Issue Life Insurance

Simplified Issue products and can normally get you an answer or approval within 24 to 48 hours. 

You are normally acceptable with below average health and coverage amounts usually, will go up to $5000,000.

They normally have very few health questions and allow for an e-signature process to submit your application.

You do not need to talk with an agent and you also have the ability to sign up 24 hours a Day 7 Days a Week.

There is no extra cost for buying this type of product either.

How you can apply for Simplified Issue Life Insurance:

There is a new product on the market and it is going to change the industry when it comes to simplified issue life insurance.

The company goes by the name of Bestow Life and you can check out our complete Bestow life insurance review.

They offer the first "True" life insurance no medical exam product on the market and the process works like this:

1. Get A Quote

Get A Quote with Basic Information, No Name, Email Address Needed.

2. Apply Online

Fill in the remainder of your information and add your quick e-signature

3. Your Covered

Get An Instant Decision and know the answer of  your approval immediately.

Simplify The Way You Buy Life Insurance

With any of the above processes, you are able to have a much simpler and easier insurance buying experience.

You don't have to worry about being called by agents because your application will be submitted directly to the insurance carrier for underwriting and approval.

If you have a life event, figure out which insurance product best fits your needs, get a quote and apply online all without any assistance.

We even reviewed the best no exam life insurance companies to help you decide.

As you can see:

You no longer have to deal with the hassle of 100 aggravating phone calls or let procrastination get in the way.

There is no reason for you to keep going back and forth with agents or deal with all the overwhelming paperwork.

This process is quickly becoming the new way to buy life insurance and it’s really embarrassing that it’s taken this long to happen.


Life Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get life insurance coverage within minutes of getting your quotes and applying.

Frequently Asked Questions

Which is better term or whole life insurance?

Term life insurance is going to be the best product for almost 90% of people who are looking for it.

It has the lowest premiums and is very easy to understand, you get a specific death benefit, for a specific term length, for a set price.

Does Geico sell term life insurance?

GEICO does sell term life insurance as an insurance agency; however, they are not the underwriter on the policies so you won't be buying the policy from them, but another company that they work with.

How much does term life cost?

The cost of term life insurance is usually completely overestimated and this is because most people are assuming the cost is high.  

The rates will be different for everyone depending on medical background, age, gender, and tobacco usage.  

How do I get a life insurance policy?

The best way to get a life insurance policy is by shopping online.  There is no faster way to buy life insurance and in the last few years the process has gotten easier.

What happens to term life insurance if you don't die?

If you don't die before your term policy ends you have a few options.  You can either renew the policy at a higher rate, convert the policy into a whole life policy, or let the policy end.

Unless you have a return of premium life insurance policy the plan will not refund the money you put into the policy.

How much is term life insurance for a 50 year old?

The cost of term life insurance for a 50 year old will depend on a few factors; however, a $250,000 20 year term policy for someone in excellent health would cost around $41.00 per month.

Get Life Insurance Quotes No Phone Calls

At this point, you’ve learned a major secret that most agents don’t want you to know about getting term life insurance quotes without personal information

We have shown that you can get a life insurance quote and get covered online instantly without getting hounded by agents.

Now we want to help you take action on what you have learned today so that you can save time and have peace of mind.

Sa El

About the author

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 12 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

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