How to Compare Term Life Insurance Rates Online

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Term Life Insurance Rates

Whether you’re starting your search for your first term life insurance policy or looking for cheaper rates, you have come to the right place. Top Quote Life Insurance is specifically designed to provide online consumers with a safe and easy way to compare term life insurance rates, as well as instantly apply for coverage online.

Term life insurance is often the number one choice for life insurance coverage because it can provide the most death benefit coverage at the lowest price. Not only is term life insurance the most affordable coverage option, but it also works perfectly for protecting both families as well as businesses.

Top Quote Life Insurance only provides rates from over two dozen of the nation’s best life insurance companies. When we say the best we mean that the term life insurance quotes we provide are from life insurance companies with an A.M. Best rating of A or better.

A.M. Best ratings are letter grades given to life insurance companies that are based on the insurance companies’ ability to meet their obligations to the policy holder.

Use the Quote Form to Compare Term Life Insurance Rates Instantly

You need life insurance rates but don’t want to visit an insurance office or spend time on the telephone talking with a salesman. Located on every page of Top Quote Life Insurance you can find our easy to use instant online term life insurance quote form.

Using our instant term life insurance quote form will allow you to compare term life insurance rates from the comfort of your home, office or anywhere you have internet access. Best of all, you don’t need to submit any personal contact information to start comparing rates!

Selecting your Life Insurance Health Classification

Life insurance rates are based on several underwriting factors such as your health, build, family history and even the lifestyle you live. In order to start comparing term life insurance rates, you need to know which health classification you qualify for.

Life insurance health classifications come in 4 common classes starting with Preferred Plus, Preferred, Regular Plus, and Regular. Knowing which health classification you will qualify for may be a little difficult.

We recommend checking out our article on life insurance health classification which will help you determine what risk class you may qualify under.

Selecting your Coverage Amount

The face amount is the amount of death benefit coverage your family, spouse or business would need if you were to pass away. If you’re unsure of the amount of coverage you should have, then start by multiplying your annual income by 10. Be sure to factor in expenses for final expenses, debts, emergency funds and even education funds for any children.

Choosing a Term Length

Term life insurance coverage comes in fixed premium contract lengths of 10, 15, 20, 25 & 30 years. A 10-year length will be cheaper than a 30-year policy. Choose a term length that will cover the amount of time you need the life insurance coverage.

Don’t pick a term length based on the cost. The best term life insurance length is the one that is still active when you pass away.

Instantly Compare Rates

When you have selected your health classification, term length and face amount, you will be ready to start comparing term life insurance rates by simply clicking the “show quote” button.

Based on your selected criteria, all the term life insurance companies along with their term rates will display in order from cheapest to most expensive.

Request an Application & Apply

Found a life insurance company and rate that fits your goals and budget? Then go ahead and click the “Request Application” button. Once we have received your request for a life insurance application, we will send it to you by mail, email or fax right away.

We make the application process as simple as possible by working with the underwriter, as well as keeping you updated throughout the entire process to get your policy approved and activated without delay.

Term Life Insurance Quotes Online

Top Quote Life Insurance has made comparing term life insurance rates and applying for life insurance coverage online simple. However, some life insurance quotes may require the assistance of a licensed life insurance agent.

If you have questions or need a life insurance quote based on a medical condition or any other conditions, please feel free to contact us toll-free (888) 777-7574 or send us a message below with details about your request.

A licensed Top Quote Life Insurance agent will begin working on your request right away.

Ready to Compare Life Insurance Rates?

It’s free, fast and super simple.


Jeffrey Manola

Jeffrey Manola

Jeffrey Manola is the owner and an experienced life insurance agent at Top Quote Life Insurance. His goal is to provide online consumers with the absolute top quotes for all term life insurance, permanent life insurance, and no medical exam life insurance. Not only does he strive to provide you with the best premium for your life insurance coverage, but he also wants you to be well informed about life insurance coverage options and its importance. Never hesitate to reach out to Jeffrey if you need help. Top Quote Life Insurance is more than just an online quoting agency. We want to help you save money, protect your future, and earn your trust (888) 777-7574.

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Life Insurance Rates?

Purchasing Life Insurance has never been easier

Or give us a call...888-777-7574

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