Protect Your Family's Future — Starting at $20/Month
Term life insurance is the most affordable way to replace your income and protect your family. Get a free quote in minutes — no medical exam options available.
How Much Coverage Do You Need?
Use our calculator to estimate the right amount of coverage for your family's needs.
Coverage Calculator
Estimate how much coverage your family needs
Choose Your Term Length
The right term length depends on your age, family situation, and financial obligations. Here's a quick guide.
10-Year Term
Bridge coverage, near-retirement, debt payoff
Ages 50–60 with specific short-term needs
20-Year Term
Most PopularSchool-age children, mid-mortgage, income replacement
Ages 30–45 with growing families
30-Year Term
Young families, new homeowners, maximum protection
Ages 25–40 with young children
* Estimated monthly premiums for a healthy 35-year-old non-smoker. Actual rates vary by age, health, gender, and tobacco use.
Get Covered in 3 Simple Steps
Answer a Few Questions
Tell us your age, health status, coverage amount, and term length. Takes under 2 minutes.
See Your Instant Quote
We compare rates from 10+ top carriers and show you the best available premium for your profile.
Apply and Get Covered
Complete your application online. Many policies are approved same-day with no medical exam required.
Why Families Choose InsuraFix
Independent Broker — Not Tied to One Carrier
We compare rates from 10+ top carriers including Banner Life, Protective, Pacific Life, Transamerica, and more. You get the lowest rate available, not the one that pays us the most.
No Medical Exam Options Available
Qualify based on health questions alone. Many applicants are approved in minutes to days without ever seeing a doctor. Coverage up to $2 million available with simplified underwriting.
Rates Lock In at Your Age Today
Term life premiums are level for the entire policy term. The younger and healthier you are when you apply, the lower your rate — and it never increases during your term.
Licensed in All 50 States
Our licensed agents are available to help you choose the right coverage, navigate the application, and answer any questions — at no cost to you.
Frequently Asked Questions
What is term life insurance?
Term life insurance provides a death benefit to your beneficiaries if you pass away during the policy term — typically 10, 20, or 30 years. It's the most affordable type of life insurance and is designed to replace your income and protect your family during your working years. Unlike whole life insurance, term policies do not build cash value, which keeps premiums significantly lower.
How much term life insurance do I need?
A common rule of thumb is 10–12 times your annual income. For example, if you earn $60,000/year, a $600,000–$720,000 policy is a reasonable starting point. You should also factor in: outstanding mortgage balance, number of years until children are financially independent, spouse's income, existing savings and assets, and any outstanding debts. Our coverage calculator above can give you a personalized estimate.
What term length should I choose?
Choose a term that covers your largest financial obligations. A 30-year term is ideal if you have young children or a new mortgage. A 20-year term works well if your children are school-age and you have 15–20 years left on your mortgage. A 10-year term is appropriate if your children are nearly grown or you want supplemental coverage to bridge a specific financial gap.
Can I get term life insurance without a medical exam?
Yes. Many carriers offer no-exam term life insurance for applicants in good health, typically up to $1–$2 million in coverage. The application uses health questions and database checks (prescription history, driving record) instead of a physical exam. Approval can happen in minutes to days. Premiums are slightly higher than fully underwritten policies, but the convenience is significant.
How much does term life insurance cost per month?
A healthy 35-year-old non-smoker can typically get a 20-year, $500,000 term policy for $25–$35/month. Premiums increase with age, tobacco use, and health conditions. The best way to find your exact rate is to get a free quote — we compare 10+ carriers to find your lowest available premium.
What happens when my term life insurance expires?
When your term ends, coverage stops and no benefit is paid. You have several options: let the policy lapse (if you no longer need coverage), renew the policy (usually at a much higher premium based on your current age), convert to a permanent policy if your policy includes a conversion rider, or purchase a new term policy (subject to current health and age).
Your Family Deserves Protection. Get Covered Today.
Term life insurance is most affordable when you're young and healthy. Every year you wait, your premium increases. Get your free quote now — it takes 2 minutes.