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So, What Is ​Term Life Insurance?

As we like to say, "In Plain English," term life insurance is simply, protection against the loss of life over a specific period of time.  Term life insurance is also going to be the most affordable type of life insurance that you can purchase and the most simple.​You can choose coverage options from 2 years all the way up to 30 years and coverage amounts from $50,000 up to $25,000,000+

How much life insurance do you need?

Most insurance companies allow you to purchase up to 30x your annual income, but we recommend that you have at the least 10x your annual income in life insurance.

So if you make $50,000 / year, a policy for $500,000 would be our suggestion.Just remember to buy life insurance that you can afford.

If the life insurance premium of 10x your annual income is too expensive for you, go down to 5x your income, just make sure you can cover your beneficiaries life insurance needs.

When you are looking at any of our term life insurance quotes you can always start off with the lowest term length for the maximum amount of coverage.

​The Biggest Myth About The Cost Of Life Insurance

​The biggest myth about the cost of life insurance is that it's too expensive.  

A recent study from LIMRA found that 63% of people said they wouldn't get life insurance coverage because of its cost.

​However, the same study found that ​life insurance policy quotes are 80% LESS than what people thought they were.

​Didn't think you could get cheap life insurance?  Guess Again!​

What Type Of Term Life Quotes Do You Offer?

Simply Insurance offers a wide variety of affordable term life quotes online.

2 Year Term
5 Year Term
10 Year Term 

​15 Year Term
20 Year Term
30 Year Term


How Does ​Term Life Insurance Work?

Term Life Insurance is one of the most straight forward products when it comes to life insurance overall. We created a complete guide that explains how term life insurance works; however, Like any insurance product your policy will have:​​

  • ​Monthly Premiums - your monthly payments for the policy
  • ​A Death Benefit - The amount of coverage that will pay out  upon the death of the insured
  • ​The Insured - The person the insurance policy is being placed on.
  • Beneficiary - The person the insurance policy's death benefit will pay out to.
  • Owner - the person who makes all of the decisions & changes to the policy
  • Payor - The person responsible for paying the monthly premiums
  • ​Riders - Additional Options You Can Purchase With The Policy for example: (Child Rider or Return Of Premium)
term life insurance quotes

Along with being the most affordable type of life insurance product on the market, these products either end or have to be renewed when the term is up, so you probably want to purchase them early on for maximum savings.

Like with any type of insurance, the younger you are when you purchase it the lower the monthly premiums will be.

A term life insurance policy is going to cover you for any type of death.  This is also known as an all cause death benefit. 

​Best Term Life Insurance Rates By Age

​​If you are looking for the best term life insurance rates based on your current age then check out some of our quick life insurance quote sample rates below:

Best term life insurance rates for women


AGE


$100,000


$250,000


$500,000


$1,000,000


25 Years Old


$8.25


$11.42


$16.83


$27.67


30 Years Old


$8.33


$11.63


$17.25


$28.50


35 Years Old


$8.50


$12.25


$18.50


$​31.00


40 Years Old


$​10.17


$​16.00


$25.58


$45.17


​45 Years Old


$12.92


$22.46


$38.92


$​71.83


50 Years Old


$​17.67


$​32.67


$58.08


$110.17


​55 Years Old


$25.50


$49.33


$90.58


$​175.17


​60 Years Old


$​40.75


$​79.54


$145.58


$285.17

*Rates are based on a non-tobacco female with a preferred health rating looking for a 20 Year Term. 

Best term life insurance rates for Men


AGE


$100,000


$250,000


$500,000


$1,000,000


25 Years Old


$​9.00


$​12.88


$​19.75


$​33.50


30 Years Old


$9.08


$13.08


$20.17


$​34.33


35 Years Old


$​9.08


$13.50


$21.00


$36.00


40 Years Old


$11.50


$18.50


$30.58


$​55.17


​45 Years Old


$​15.75


$27.88


$49.33


$92.67


50 Years Old


$22.42


$41.42


$76.00


$​287.67


55 Years Old


$​33.83


$64.33


$121.42


$236.83


60 Years Old


$58.08


$111.00


$​207.67


$409.33

*Rates are based on a non-tobacco male with a preferred health rating looking for a 20 Year Term. 


​Term Life Insurance Quotes Or Whole Life Insurance Quotes

​There are two types of life insurance, term life, and whole life. From our experience, whole life insurance ​quotes will always be more expensive than term life insurance quotes.

We even reached out to over 40 finance experts about this issue, and it turns out that over 80% of them would choose a term life policy over a whole life policy. Their decisions seemed to be mainly tied to the more affordable term life insurance premiums as well as the ability to get an online term life insurance policy.

Below are real life examples of the premium differences between the two products:

Term Life Insurance

( Coverage for a specified term length )

Gender: Male

Age: 32

Health Rate: Preferred 

Smoker: No 

Length of Coverage: 30 Years 

Coverage Amount: $250,000 

Monthly Life Insurance Rate:  $21.63

Plan Rates and Options Provided by Havenlife.com 

Whole Life Insurance

( Coverage for your whole life )

Gender: Male

Age: 32

Health Rate: Preferred 

Smoker: No 

Length of Coverage: For Life

Coverage Amount: $250,000 

Monthly Life Insurance Rate:  $145.00

Plan Rates and Options Provided by Principal Life

Simply Insurance recommends a term life insurance quote for most of our shoppers over any whole life insurance products. 


​Compare life insurance costs to other monthly expenses; it's super affordable
Did you think we wouldn't call you out on your spending habits?

Monthly Cost

Buying Shoes

$250.00

Daily Starbucks Venti Caffe Latte

$116.00

Cell Phone Bill 

$73.00

Wine Clubs

$50.00

Term Life Insurance

$21.00

*Life Insurance Rates are Based on a 30 Year $250,000 Term Policy for a 30 Year Old Male

​What does term life insurance cover?​

A term life insurance payout is another form of a lump sum payment, once it's paid out to your beneficiary they can use it to pay for anything.

Here is a list of a few things you can do with a life insurance payout:

  • ​Pay Off Your Mortgage
  • ​Get rid of your car note
  • ​Clear credit card debt
  • ​Cover Kids College Expenses
  • ​Pay taxes
  • ​Pay Daily Living Expenses
  • ​Use As Income Replacement
  • ​Invest (Here is 30+ Ways To Invest)
  • ​Cover Child Care Expenses
  • ​Pay final expenses of the insured

​Can I get term life insurance online?

​If you are looking to shop term life insurance online, then you have come to right place.

We have made it easy to apply for life insurance online with some of the most technologically innovative companies in the nation.

Our carriers make buying life insurance online incredibly easy and affordable with instant term life quotes and immediate decisions.

Don't be shy, use our term life insurance quote engine today to get covered with our A rated Carriers through AM Best without ​agents calling you.

Get affordable term insurance quotes from our
online term life insurance companies: 

haven life review, haven life, haven life logo
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