Compare Term Life Insurance Quotes Instantly

Get affordable term insurance quotes without giving up your email or phone number to shop.   How Much Do I Need? 

38,681 Families Quoted Since January 2017 

The simplest way to get affordable
term life insurance quotes online

No personal information needed for your instant online life insurance quote.

simply insurance bbb
google reviews

As Seen On...

The Simple Dollar
Insurance News Net
Go Banking Rates

Types Of Life Insurance

Below we compare the different types of life plans, how long they last, and how they work.

Term Life

Whole Life

Return Of Premium Term Life

Universal Life


1 - 45 Years

Your Entire Life

20 - 30 Years

Your Entire Life

Guaranteed Death Benefit





Guaranteed Cash Value




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.

How Does A Term Life Policy Work?

Term Life is one of the most straight forward products when it comes to life coverage overall. 

We created a complete guide that explains how term life works.

However, Like any insurance product your policy will have:

  • ​Monthly Premiums - your monthly payments for the policy
  • ​A Death Benefit - The amount of coverage that will pay out  upon the death of the insured
  • The Insured - The Person The Insurance Policy Is Being Placed On.
  • Beneficiary - The Person The Insurance Policy's Death Benefit Will Pay Out To.
  • Payor - The Person Responsible For Paying The Monthly Premiums
  • Owner - The Person Who Makes All Of The Decisions & Changes To The Policy
  • Riders - Additional Options You Can Purchase With The Policy.

Even though they are the most affordable type of insurance product on the market, they will eventually end.

That's why with these products you either have to end them or have to renew them when the term is up.

So, it's probably best to purchase a term policy early on, for maximum savings.

life insurance quotes

Like with any type of insurance, the younger you are when you purchase it the lower the monthly premiums will be. 

And you might even want to consider a no medical exam term life insurance policy because you can get approved much faster.

A term life insurance plan is going to cover you for any type of death.

This is also known as an all cause death benefit.

Will Buying Life Insurance Affect My Credit?

The quick answer to this will be, probably not, usually a life insurance company doesn't check to see if you have good credit or bad credit, before issuing or approving a life insurance policy.

There are however, some types of insurance that might check out you credit to determine if you are eligible for coverage like:

  • motorcycle insurance
  • renters insurance
  • flood insurance
  • auto insurance
  • business insurance

The above policies may also offer insurance discounts if you already have coverage with them for another line of coverage. 

For other types of coverage like health insurance or pet insurance you probably won't see anyone requesting credit information either. 

When it comes to getting life insurance you don't have to worry about it affecting your ability to apply for new rewards cards.

How To Buy Life Insurance Online

If you are looking to shop for a term plan online, then you have come to the right place.

We have made it easy to apply for life insurance online with some of the most technologically innovative companies in the nation.

Our process works in 3 easy steps:

1. Get A Few Anonymous Quotes

Don't be shy, use our quote engine today to get instant quotes without having to speak with an agent or give any personal information. Our Companies are all rated at least an A through A.M. Best.

2. Apply For Coverage (100% Online)

Once you have viewed the quotes you actually have the ability to apply for coverage.  The application process is done entirely online and the underwriting happens in real time.

3. You're Covered

By the end of your application you will usually have an approval, at that point all you need to do is pay for your policy and a copy of it will be emailed to you.

We are seeing customers get approved with no exam coverage in up to 5 minutes or up to 2 weeks if you need an exam.

This website uses a Secure Site Certificate issued by Let's Encrypt.

Simply Insurance is a BBB Accredited Business.