Term Life Insurance Quotes

It depends mostly on your age, health, tobacco use, the amount of coverage and the length of the term. Family medical history, driving record and some hobbies can matter too. Because every carrier weighs these differently, the best way to know your price is to compare real quotes, which is what we do for you.

Many applicants are approved without a medical exam, based on a short application and a few health questions, and some carriers can give an instant decision. Depending on your age, health and the amount of coverage, a carrier may ask for an exam. If so, we'll tell you what to expect and keep it simple.

When no exam is needed, some carriers can give an instant decision, and others often approve within days. Applications that need an exam or medical records take longer. We'll give you a realistic timeline once we see which carriers fit you.

Many term policies include a conversion option that lets you switch to permanent coverage without new health questions, within a set time. The rules differ by carrier, so we'll point out the conversion terms when we compare your quotes.

Yes, and it's often more flexible than mortgage insurance from a lender. Your family gets the money directly and can use it for the mortgage or anything else. Many people pick a term that matches the years left on their loan.

Permanent life insurance, such as universal life or whole life, is designed to last your whole life instead of a set number of years, and some policies build cash value. It usually costs more than term for the same amount of coverage, so it's worth talking through what you want it to do. Schedule an appointment with Lee and he'll walk you through the options.

Usually, yes. If a stay-at-home parent dies, the family may need to pay for childcare, household help and time off work. Coverage on that parent helps cover those costs, and it's often very affordable.