Best Places to Get Term Life Insurance Quotes (2026)
Disclosure: Quote My Policy wrote this list and ranks itself first. Quote My Policy LLC connects you with licensed insurance professionals. It is not an insurance company and does not issue policies. Every other service here is described only from its own website, as of the date below.
Online brokers, fully online applications, phone agents and a quote engine, compared by how they actually work.
Facts checked September 23, 2026
Term life is one of the easiest kinds of insurance to compare, because the policies are simple and the price depends mostly on your age, health, the amount and the term. Where you get quotes still matters. Some services compare many insurers, some only sell online, and some hand your request to agents.
Below are the services we'd look at, with what each one says about itself and about who may contact you. We don't quote prices. Your price depends on underwriting, and anyone who promises a rate before asking health questions is guessing.
How we picked
More than one insurer
We favored services that can compare several insurers rather than sell one company's policy.
Clear about who contacts you
We note what each service's own privacy policy says about sharing your details and who may call.
Real help when you need it
Online quotes are a start. Health questions and underwriting usually go better with a licensed professional involved.
The list
1. Quote My Policy
Best for: Talking your term and amount through with a person
Quote My Policy is a good starting point if you'd rather have someone help you pick a term length and coverage amount than guess on a form. It also quotes the rest of your household's insurance, so life can be reviewed alongside home, auto and mortgage protection.
You fill in a short, three-step form or call, and choose how you'd like to be reached: phone, text or email. Quote My Policy connects you with licensed insurance professionals. It's not an insurance company and doesn't issue policies. Quotes are free and there's no obligation to buy.
When you submit a request, your details may be shared with licensed insurance professionals who may contact you about it. The privacy policy explains how.
- Quotes home, renters, auto and motorcycle, life, mortgage protection, pet, business and boat insurance
- Online form or phone: 864-387-2746
- You pick phone, text or email as your contact preference
- Free calculators, a glossary and state-by-state guides on the site
- Free term life, needs and cost calculators
2. Policygenius
Best for: Comparing quotes from several insurers online
An online marketplace where you enter your details, compare life insurance quotes from multiple insurers, and get help from licensed agents with the application. It describes itself as a licensed independent insurance broker, based in New York.
- Term, whole, universal and no-exam options
- Its privacy policy says it may share your information with brokers, agents, insurers and referral partners
3. Ethos
Best for: Applying fully online, often without a medical exam
You answer health questions online, see your rate and apply, with no medical exam for eligible applicants. Ethos is an agency; policies are issued by its partner insurers.
- Term, whole and indexed universal life, plus final expense
- Its privacy policy says it may share information with select third parties, including insurance agents
4. Ladder
Best for: Online term with coverage you can adjust later
Term life only. You apply online with health questions and no medical exam up to a stated coverage limit, and can adjust your coverage later. Policies are offered through Ladder Insurance Services, LLC and issued by partner insurers.
- Term life only
- Its privacy policy says it shares information with insurers, reinsurers and service providers involved in your application
5. SelectQuote
Best for: Shoppers who want an agent to compare by phone
You request a quote online, and a licensed agent compares insurers and helps with the application by phone. Some applicants may qualify without a medical exam. Based in Overland Park, Kansas.
- Term, whole, universal and final expense
- Its privacy policy says it may contact you by phone about your request
6. JRC Insurance Group
Best for: Applicants aged 45 to 75, the group it says it specializes in
An instant online quote engine that compares insurers, followed by advisors who help with the application by phone. It describes itself as an independently owned agency licensed nationwide, based in San Diego.
- Term, permanent and no-exam options
- Its privacy policy says it will not share your information with third-party agents or agencies
7. Everyday Life
Best for: Getting quotes without giving a phone number or email
Everyday Life lets you see custom quotes online before sharing contact details, then apply online or by phone with licensed agents. It says it's a licensed producer in all 50 states, based in Somerville, Massachusetts.
- Term, whole and mortgage protection
- Quotes without entering a phone number or email
8. Term4Sale
Best for: Browsing term prices before talking to anyone
A quote engine run by Compulife Software, which makes comparison software for life agents. It compares term prices across many insurers, but it doesn't sell insurance. To buy, you send a contact request and agents listed on that page contact you.
- Quote engine only; it says it does not sell term insurance
- Its contact request page says up to three listed agents may call you
Getting an accurate quote
An online price is only an estimate until underwriting is done. Answer the health and lifestyle questions honestly. A quote built on the wrong health class will change at approval, and misstatements can cause problems with a claim later.
Want quotes for your situation?
Tell us what you need and how you’d like to be reached. Quote My Policy LLC connects you with licensed insurance professionals. Quotes are free, with no obligation to buy.
Common questions
It depends on how you like to buy. Online marketplaces compare several insurers, fully online agencies let you apply without talking to anyone, and phone-based services have an agent compare for you. Getting quotes from more than one is reasonable.
Often, yes. Many services share your request with agents or partners who may contact you. Read the consent box and the privacy policy before you submit, and choose your preferred contact method where you can.
Many insurers offer no-exam term for eligible applicants, usually up to a coverage limit and based on your answers and database checks. Whether you qualify depends on your age, health and the amount.
Keep reading
General information only, not insurance advice. Coverage, availability and terms vary by insurer and by state, and are subject to underwriting. Quote My Policy LLC connects you with licensed insurance professionals. Quote My Policy is not an insurance company and does not issue policies. Nothing here binds coverage.