Term life insurance
Help your family keep the bills paid if your income stops.
Term life covers a set number of years. Households usually use it for the practical things: the housing payment, everyday costs, debt, childcare, and a steadier transition.
When a term policy pays
- It pays if the insured person dies while the policy is active and premiums are paid, provided the policy's terms do not exclude that death.
- It does not pay if the term ends first. Coverage stops at the end of the term, nothing is owed after that, and a term policy builds no cash value to collect.
- The term you pick is the window that matters, so it is usually lined up with a mortgage, the years until children are independent, or another dated commitment.
See Term Life Quotes opens the Paperless Solutions quote site in this tab, where you enter your age, state and coverage amount to see current prices and apply. Estimate a Coverage Range stays on this site and saves nothing you type.
No appointment required to get started.
Quotes and applications continue in the personalized InsureMeNow Direct / Paperless Solutions portal. Enter your details there to see current prices.
What happens next
Three steps, then the insurer decides the rest.
Explore available coverage and prices
The quote portal shows the term lengths and death benefits the insurers currently offer for the information you enter there.
Choose among the available options
Compare the terms and prices shown, then pick the option that fits. Nothing here is ranked or recommended for you.
Apply through the insurer's process
Application, underwriting and any further questions happen in the portal and with the insurer.
Approval, underwriting requirements, final premium, effective date and product availability are determined by the insurer, not by this website.
Carriers in the quote path
Two intended term-life paths.
These are the insurers currently intended for the term-life quote path. They are not guaranteed offers for everyone, and no company is described here as the best option.
- Banner Life
- One of the term-life paths available through the quote portal. Term lengths, amounts and rates shown there come from the insurer.
- Assurity
- A second term-life path in the same portal. Availability depends on the state, the applicant and the insurer's current underwriting.
Carrier logos are not shown because approved logo files were not supplied for this build. Product limits, ratings and underwriting rules are not stated here because they have not been verified for this site.
Optional reading
Things worth thinking about before you apply.
A term is a period, not a lifetime
Term life covers a set number of years. If the insured person dies during an active covered term, the policy pays a death benefit, subject to its terms. Permanent coverage is a different product with different costs and mechanics, and it is not sold on this site.
Match the length to the obligation
People often line up a term with the years a mortgage, childcare or a business obligation runs. Once that obligation ends, the need for coverage usually changes too.
Workplace coverage is a piece, not the whole
Group coverage through an employer can be useful, but the amount is usually tied to your salary and it may end when the job ends. Portability and conversion options vary by plan, so it is worth reading the certificate before assuming you can keep it.
Compare before you replace
If you already own a policy, replacing it means a new application, new underwriting and possibly a new exclusion period. Compare both before cancelling anything.
Beneficiary designations, trusts and estate planning are outside the scope of this page. For those questions, work with a licensed professional who can look at your whole situation.