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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 

The simplest way to get an affordable
term life insurance quote online

No personal information needed for your instant online life insurance quote

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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​

​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

  • 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

Typically the greater of $15,000 or 4% of your estate. This would include uncovered medical costs, funeral expenses, and final estate settlement costs. Note: If your estate is over $1,500,000 your final expenses may be much higher due to federal and state estate or inheritance taxes.
Mortgage Payoff Fund: You want to make sure there is enough money to cover the cost of the remaining mortgage. You want to leave your family the option to pay off the home.

Estimate your family's expenses for education


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College funding: Total projected college costs (tuition plus all other costs such as room and board, books, etc.), less current funds in the child’s name. The tuition amount being used is for the average 4-year education and is provided by The College Board, which is $158,072 for private institutions and $71,440 for public institutions.

Total annual income your family would need if you died today

Total amount your family needs, before taxes, to maintain their current standard of living, typically 60%-75% of total income. Families with higher incomes typically fall into the lower end of that range.

Savings and current life insurance

Includes 401(k), Keoghs, pension and profit sharing plans.
Includes bank accounts, money market accounts, mutual funds, CDs, bonds, stocks and other assets.
Includes individual policies, group term coverage available through work, and any other life insurance on your life payable to your family or for the benefit of your family. Do not include accidental death insurance or “double indemnity” insurance.

Assuming your spouse would work following your death

This is going to be the number of years your spouse expects to work after you have passed away, this will help determine how much more coverage you may need.
Marginal tax rate: This is the rate of tax you are paying on your highest dollars of income. For instance, in 2013 a married taxpayer earning $50,000 has a Marginal Tax Rate of 15%. That’s because earned income between $72,500 and $146,400 gets taxed at 25%. The lowest Marginal Tax Rate is 10% and applies to couples who earn less than $17,850. The highest Marginal Tax Rate is 39.6% for dollars earned in excess of $450,000.

Your need for life insurance:

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

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Life Insurance Calculation sent!

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.


How Our Easy 3 Step Process Works

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Why Use Us?

  • Get instant life insurance comparisons all online. 
  • ​Your personal information isn't needed with our life insurance quote engine.
  • There is no need to wait three months to get a decision, find out today and get peace of mind for your loved ones.
  • ​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.


Term Life Insurance Rates

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.  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

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


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?


Learn More About Term Insurance: