Compare Term Life Insurance Quotes

Term life insurance offers affordable coverage for a specified period of time and can be tailored to fit your family’s financial needs. Whether you want income replacement so your spouse can maintain their lifestyle if you pass away or enough coverage to send your children to college, there’s a wide range of policy values available. Our life insurance comparison tool allows you to find the best rates for term life insurance and choose the right product for your financial situation.

You live in
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District Of Columbia
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
and want coverage of
  • $10,000
  • $50,000
  • $75,000
  • $100,000
  • $125,000
  • $150,000
  • $175,000
  • $200,000
  • $225,000
  • $250,000
  • $300,000
  • $350,000
  • $400,000
  • $450,000
  • $500,000
  • $550,000
  • $600,000
  • $650,000
  • $700,000
  • $750,000
  • $800,000
  • $900,000
  • $1,000,000
  • $1,100,000
  • $1,250,000
  • $1,500,000
  • $1,750,000
  • $2,000,000
  • $2,500,000
  • $3,000,000
  • $4,000,000
  • $5,000,000
  • $6,000,000
  • $7,000,000
  • $8,000,000
  • $9,000,000
  • $10,000,000
  • 5
  • 10
  • 15
  • 20
  • 25
  • 30
years. You are
in great health, fit with no medical history
  • in perfect health, with no family history
  • in great health, fit with no medical history
  • fairly healthy, just in the normal range
  • in average health, but one or two issues
and you
  • do
  • don't
smoke. You're a
year old
  • female
  • male
Back to Top
{"ridersAnchor":"#riders","healthTiersAnchor":"#health-tiers","applyCallToAction":"Apply Now","applyIcon":"lock","fixedFooterSelector":".breadcrumbs","endpoint":"https:\/\/\/api\/lifeinsurance","noneMessage":"We don't have enough data to provide a good estimate for your profile at this time.","onCurrent":"true","0":"\/"}

Health Tiers for Life Insurance

Your health is one of the most critical factors when it comes to determining life insurance rates, but each insurer evaluates health factors slightly differently. Therefore, quotes can change by a significant amount if a particular insurer disagrees with your health self-assessment.

Insurers typically group non-smokers into one of 4 health tiers (often called Preferred Plus, Preferred, Regular Plus, and Regular), while smokers only get 2 health tiers (which closely correspond to the Regular Plus and Regular qualifications). To give you a sense of how insurers evaluate and determine quotes for consumers:

Preferred PlusThe very best health tier, for those in outstanding shape, with no family medical issues, no smoking history in the past 5 years, ideal blood pressure and cholesterol, and no dangerous hobbies. Even your DMV record will be evaluated to determine if you’ve had a DUI or moving violations in the past several years.
PreferredThis tier is for those that would be Preferred Plus if not for one disqualification. For example, one parent might have died from cancer, or your blood pressure was slightly higher than the insurer’s ideal range.
Regular PlusTypically indicates that you’re fit and active in taking care of yourself, but there’s a key issue that disqualifies you from the Preferred tiers. You might have had a DUI a few years before, or have asthma that needed treatment recently.
RegularThis health tier is meant to represent the average person. This means you might have a parent that died of a potentially hereditary disease, elevated blood pressure, or have been diagnosed with a condition like diabetes.

Term Life Insurance Riders

Riders are policy add-ons and can be used to adjust the term of a life insurance policies. Typically adding a rider will increase your premiums, but some insurers offer certain riders at no additional cost. Some of the most common riders are:

RiderHow it Works
Accelerated Death BenefitIf you are diagnosed with an illness after purchasing coverage, the insurer will pay you a portion of the policy’s death benefit. The payout available for a given illness and which illnesses qualify for an early payout vary by insurer.
Accidental DeathIf you die due to an accident, such as a car crash or sudden fall, the insurer will pay an additional death benefit. Some insurers also offer a payout while you’re alive if you lose a limb, though the amount varies by limb.
Additional Insured or Child RiderYou can add coverage for a spouse, child or other close relative. Typically the death benefit is smaller, as it is intended to cover the costs of a loved one passing away.
Disability BenefitIf you are diagnosed with a qualifying disability, typically one that leaves you disabled for over 6 months and is permanent, the insurer will pay a percentage of the death benefit to you each month.
Guaranteed InsurabilityAt certain points during the term of coverage, such as your birthdays, you can increase the policy’s death benefit and premiums will be determined using your initial health rating. The amount you’re able to add to the policy’s face value will be specified in the rider.
Multiple Term RiderThis rider is referred to by several names, but it allows you to specify certain amounts of coverage for different term lengths. For example, you could get $50,000 of coverage for 30 years and $200,000 for 10 years.
Return of PremiumIf you don’t die during the term of coverage, the insurer will return a percentage or the entire amount of premiums paid.
Seat Belt BenefitIf you die in a vehicular accident while wearing a seat belt, the insurer pays an additional death benefit.
Term Conversion & ExtensionAt certain points during the period of coverage, you can convert your term policy to a permanent life insurance policy (such as a whole life insurance policy or universal life insurance policy) and premiums are determined by your original health rating. When you’re allowed to do so varies, but is typically the first 5-10 years of coverage, on birthdays, or after life events (such as having a child).
Waiver of PremiumIf you develop a qualifying disability or illness, the insurer waives your obligation to pay premiums while your policy remains in force. Some insurers offer this benefit if you become unemployed.


Displayed quotes are not binding and may differ from an insurer’s actual quote should you submit an application. Quotes were determined by rate tables and guidelines from insurers and their state filings.