Straightforward coverage for the years you need it most.
Term life pays a tax-free death benefit if you pass away during the term you choose. It is typically the most affordable way to protect your income, mortgage and family.
Choose your term
10, 15, 20, 25 or 30 years, matched to your mortgage, kids or working years.
Coverage up to $10M
From starter policies to substantial income and business protection.
Carriers compared
We compare multiple carriers so you are not limited to one company's rates.
Term life fits most families.
- Parents who want to protect their children's future
- Homeowners with a mortgage
- Business owners and partners
- Anyone with dependents or shared debts
A starting point.
Many people look at income replacement for 10 or more years, outstanding debts, and future costs such as education. A broker can help turn that into a number and a term that make sense for you.
Term life, answered
The basics, in plain language.
What is term life insurance?
Coverage for a fixed period, such as 20 years. If you pass away during the term, your beneficiaries receive the death benefit. If the term ends, coverage ends unless you renew or convert, depending on the policy.
Do I need a medical exam?
It depends on the carrier, your age, health and the amount of coverage. Some applicants qualify for accelerated underwriting without an exam, and your broker will tell you what to expect.
How is my price determined?
Mainly by age, health, tobacco use, coverage amount and term length. Final premiums are set by the insurance company during underwriting.
What does ProtectQuote cost?
There is no charge to compare quotes. The carrier compensates the brokerage if you purchase a policy.
Ready to see your options?
It takes a few minutes and there is no obligation.
ProtectQuote is a division of Somerset Insurance Solutions, Inc. (CA Lic. 0H91219). Quotes and estimates are informational and not an offer of insurance. Actual premiums depend on application and underwriting by the insurance company, and rates are never guaranteed.