Best Places to Get Term Life Insurance Quotes
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.
Eight channels cover the market, ranked by how completely they compare.
Facts checked September 23, 2026
Term life pricing turns on a short list of inputs (your age, your health classification, the coverage amount, and the term length) and every quote engine on the internet works from those same inputs. Comparable quotes therefore come from identical inputs. Where you shop decides three other things: how many insurers compete for your application, whether a medical exam stands between you and a final price, and who receives your contact details. Eight channels cover the market, ranked by how completely they compare.
How we picked
Insurers compared
Services that quote several carriers outrank services tied to one company's shelf.
The contact terms
Each entry states what the service's own privacy policy says about sharing your details, because a quote request is also a decision about who may call you.
Help with the application
Health questions and underwriting move faster and land better with a licensed professional involved, so channels that supply one score above channels that hand you a form.
The places, ranked
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
What must a term life quote hold constant?
Fix those five and the price differences that remain are real differences between insurers and channels. Leave one loose and you are comparing different products wearing the same label.
- Coverage amount: the same face amount on every quote, down to the dollar
- Term length: a 20-year quote and a 30-year quote price different promises; compare within one length at a time
- Premium structure: level premiums guaranteed for the full term, quoted on that basis everywhere
- Health class assumption: quote tools assume a class (preferred, standard, and their variants), and a quote stays an estimate until underwriting reviews your health history, exam results where required, and prescription and driving records, then assigns the class you actually pay
- Riders: child riders, waiver of premium, and accelerated benefit riders included everywhere or nowhere
Which channel fits which shopper?
Healthy applicants under 45 with a straightforward amount usually get their best result from a multi-insurer channel (entries 1, 2, and 6), where several carriers price the same clean file.
Applicants with health history on record benefit from an agent-led channel (1, 5, or 6), because an agent who knows each insurer's underwriting habits routes the application to the carrier most likely to rate it well.
Shoppers who prize speed and privacy start at 7 or 8, gather the range, and then decide who earns the conversation.
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
Several. Term products are simple and standardized, so price competition happens carrier by carrier. A channel quoting one insurer shows you one price; a channel quoting many shows you the market.
A quote is an estimate built on the health class the tool assumes for you. Underwriting assigns your actual class after reviewing your application, and the final premium follows that class. Quotes rank insurers reliably; they guarantee nothing until underwriting finishes.
The insurer underwrites from your application answers and records checks (prescription history, motor vehicle report, industry databases) and skips the paramedical exam for eligible applicants. Eligibility and coverage limits vary by insurer, and the convenience sometimes carries a higher price than a fully underwritten policy for a healthy applicant.
Each service answers that in its own privacy policy, and the answers differ sharply: some share with partner agents, some state they never share with third-party agencies. Read the policy of any service before submitting, because the policy governs your phone for weeks afterward.
Enough to replace the income the household depends on through the years it depends on it: mortgage balance, other debts, and living costs until children are independent. Price two amounts (for example, the full calculation and a step below it) and let the pair of quotes show you what the difference costs per month.
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.