Term Life Insurance Rates

Term life insurance rates can vary. We'll show you how to get lower rates in 3 easy steps.

Premiums can vary by as much as 50%. Visit Netquote, where you can fill out a short form, select a plan, and input your personal data for a true personalized quote in minutes. Click here to start.

Use Insurecom to compare additional term life and whole life quotes, and get expert advice from an agent in your area, who can help you design a plan that's right for you. Click here to fill out a quick form.

How life insurance rates are calculated

The factors that affect your term life insurance rates are age, health, and behavior.

Age - A term life insurance policy will always be more expensive for an older person than a younger one.
Health - Your health determines how high your term life insurance quotes will be. Poor health or a family history of illness may affect your cost.
Lifestyle - High risk activities and bad habits will result in higher term life insurance rates.

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Remember: term life insurance rates can vary with providers.

Start comparing premiums and see for yourself

3 ways to lower term life insurance rates

Change your behavior. Lose weight, quit smoking, stop scuba diving.

Round your coverage amount to the nearest $250,000. Tinker with the numbers. You can often find a considerably cheaper plan with a similar amount of coverage.

Finally, shop around for term life insurance quotes online.

Start right now at Netquote. One easy application gets you quotes from multiple insurers, and you can compare, calculate and recalculate all online quickly and clearly. Don't put off this important protection one day longer - Try Insweb right now.

For more help . . .

Getting the lowest possible premium on your life insurance is almost like an art form. There are many variables to consider, and to get the right balance of term length, benefit amounts, and policy riders and illustrations, you need to take a careful step-by-step approach to the buying process.

Our free life insurance course is designed to help you do just that.

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