Instant Term Life Insurance Quotes
Online or on the Phone, We Make It Easy
At Intramark Insurance, home of LifeInsure.com, we’re here to provide you with accurate instant term life insurance quotes from highly-rated insurance companies.
Our easy-to-use online quote engine allows you to compare Term Life Insurance, No-Exam Life Insurance and Final Expense Life Insurance quotes online instantly, without having to speak to an agent.
However, if you do want to speak to a live professional, our licensed agents are available to answer your questions. The experts behind LifeInsure.com are licensed professionals who each have more than 25 years of experience in the industry.
The LifeInsure Difference
Why We’re the Choice for You
See your private quotes instantly with no personal info required.
Instantly find great accurate rates without hidden fees.
We show you top-rated companies, but we work independently for you.
Customer Reviews
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Honest recommendations. Richard was a true pleasure to work with. Have sent friends and family to LifeInsure.com.
Akiva
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Great – have been using them for nearly 10+ years with 4 different policies (Life, Disability)..
Ninad
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Richard answered all my questions, helped with various documentation and got me products that fit my needs. No upselling whatsoever
Suresh
How much does life insurance cost?
It’s More Affordable than You May RealizeAccording to the 2019 Insurance Barometer Report, lack of knowledge causes many consumers to overestimate the cost of term life insurance coverage. Over half of the population thinks the cost of a term life insurance policy is over three times the actual cost.
Real Life Examples:
Jon, 30
$1,000,000 10-year term life policy for $20 monthlyMary, 50
$250,000 10-year term life policy for $23 monthlyEddie, 42
$500,000 15-year term life policy for $27 monthly
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Frequently asked questions
Who needs life insurance?
If you have a spouse (or partner) and/or children that would suffer financially if you were to die, you need life insurance. There are others who need life insurance (e.g. business partners), but the main incentive to own life insurance always has been to ensure your loved ones will be taken care of financially should you die.
How much life insurance do I need?
There are several methods of determining how much life insurance you need. One method is using the multiple of income method, using a multiplier of your income to determine the benefit amount. Between 25 and 35, we recommend 20-25 times your income; between 35- 50, multiply your income by 15; above 50, use a factor of 10. These are only general guides, as every situation will vary.
You can also use our calculator, which uses a different method. Ultimately, the cost will be a factor too, as you have to maintain the premium payments over time.
How much life insurance can I get?
Now that you have determined how much you need, hopefully the insurance company will offer you that amount. Insurance companies use multipliers as described above and will not provide you with more coverage than they think you need, based on their formulas. There is some flexibility there, so if you have needs that exceed these formulas, your agent can help you “sell your case” to the underwriter.
Is there a fee for your service?
No. We are paid a commission by the insurance company if we assist you with getting your policy in force.