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Compare Term Life Insurance Quotes Instantly

Get affordable term insurance quotes without giving up your email or phone number to shop.

Compare Term Life Insurance Quotes Instantly

Get affordable term insurance quotes without giving up your email or phone number to shop.

38,681 Families Quoted Since January 2017

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term life insurance quote online

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Find an Affordable Term Life Insurance Quote

The amount of life insurance you may need can change depending on your current place in life. Before you get a term life insurance quote or buy a term life insurance policy, use our term life insurance calculator to make sure you are covered appropriately.

Calculate Your Life Insurance Needs and Find Your Life Insurance Rate

Find an Affordable Term Life Insurance Quote

Calculate Your Life Insurance Needs and Find Your Life Insurance Rate

1. Start
2. Expenses
3. College
4. Income
5. Savings
6. Spouse
7. Result

Let's Calculate Your
Life Insurance Needs

Disclosures & Assumptions

This interactive calculator is a self-help tool and is not intended to provide financial advice or product recommendations. The results and explanations generated by this calculator are based upon, and will vary due to, your input and certain assumptions made by us. All projections are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Simply Insurance will assume no liability for the use of or reliance on this calculator. For a more accurate and detailed analysis specific to your circumstances, we encourage you to contact a qualified financial professional.

The information provided is not written or intended as specific tax or legal advice. Simply Insurance, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Insurance products issued by Simply Insurance, 4279 Roswell Road, Suite 208-201 Atlanta GA 30342

Estimate your family's expenses in case of your death

Final expenses

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Total annual income your family would need if you died today

Annual income to be provided

Number of years to provide income

Estimated inflation rate

After-tax net investment yield

Savings and current life insurance

Retirement savings

Other savings and investments capital

Existing life insurance value

Assuming your spouse would work following your death

Your spouse’s annual income

Number of years expected to work

Your spouse’s marginal tax rate

Your need for life insurance:

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Should you die, the financial impact on your dependents is the loss of your income as well as the immediate expenses associated with your death. The death benefit offered through life insurance serves as replacement income for a period of time to help your family build a more financially secure future.

Calculation Overview

Our term life insurance calculator includes some economic forecasting which models both current and future income and savings. So you'll have more information when it's time to get your quote for your term life insurance rate and buy your term life insurance policy.

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No need to deal with an agent and miss out on life insurance savings.

Types of life insurance

Check out this 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.

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Term Life Insurance Rates

If you are looking for the best term life quotes & rates based on your current age then check out some of our quick life insurance quote sample premium rates below. Not sure what you need? Use our handy life insurance calculator.

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