Term life insurance online. How to Get Term Life Insurance Quotes Online, Quotacy

What is term life insurance?

Term life insurance is the most common type of coverage owned in the USA because it’s affordable and simple to buy. Buy life insurance online.

This type of life insurance is called term life because it lasts for a specific period of time—usually 10, 15, 20, 25, or 30 years—depending on the policy length you need.

Once your life insurance policy is active, you can die anytime during your term and your family will receive all of the money in one payment—quickly. This payment is typically $50,000 to $1,000,000—or more—depending on the coverage amount you have chosen.

Simply buy what you can afford today. It will mean a lot to your family tomorrow.

Quotacy offers policies only from the most trustworthy—financially stable—life insurance companies in the USA. Ratings are available for your review here.

Life insurance is for the living. While you are alive, it gives you peace of mind. After you die, it gives your loved ones the chance to fulfill the dreams you shared together.

How to buy life insurance

Simple steps to go from quote to coverage:

Apply online within five minutes

Complete your phone interview & medical exam*

Get approved for coverage

How to estimate your needs

Our calculator shows what coverage you should buy based on:

How much debt do you want to pay off?

How much monthly income do your loved ones need?

How many years do your loved ones need income?

Once you know what you need, buying your policy is easy. Just choose your preferred life insurance company and apply for your policy online within five minutes.

How to get your term life insurance quote

Get your quote by anonymously exploring our quoting tool anytime. Just share your:


Decide how much coverage ($100,000 to $25 million) you need for how long (10, 15, 20, 25, 30, or 35 years) and you’ll see your price go up or down as you adjust the sliders of our quoting tool.

By test driving our quoting tool, a non-smoking, 47-year old woman living in Brooklyn who needs $500,000 term life insurance coverage for 15 years just found out it’s less than $36 per month. That’s much less than she had anticipated.

How to choose your policy

Our quoting tool will guide you toward a term life insurance policy that is tailored to your needs and budget.

How do we personalize your choices?

Based on your responses to:

What is your smoking status?

What is your family medical history?

Our quoting tool will show you a custom range of term life policies to choose from.

You’ll see each carrier’s A.M. Best rating (A or A+) and your policy pricing. If you qualify for accelerated underwriting or no medical exam, you’ll see those policy choices. Review and choose your preferred policy to buy online.

How to apply and buy online

Once you choose your preferred term life insurance policy, you can complete your application typically within five minutes.

Our advisors will review your submitted application to see if there is a better carrier for you based on the information you provide in your application. If we notice a better match, we’ll contact you for permission to change carriers to get you a better policy.

We’ll email you secure DocuSign forms to obtain your driver’s license and Social Security number, in addition to your beneficiary information.

How to prepare for your phone interview

Typically within 48 to 72 hours of receiving your application, your preferred life insurance company will contact you for a confidential, 15-30 minute phone interview to confirm your personal and health information submitted on your application.

You may need to provide your:

Driver’s license and Social Security number

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Healthcare providers (names, addresses, and phone numbers)

Medical history (treatment dates and prescription medicines)

Existing life insurance policy info (company name, coverage amount, and policy number)

Financial info (income, assets, liabilities, and net worth)

Some companies will schedule your medical exam during your phone interview, if your policy requires an exam.

How to prepare for your medical exam

You’ll meet with a licensed medical examiner at your home or office at your convenience. The health exam is done at no cost to you. You’ll be asked to:

Share medical history (your and your close relatives’)

Measure height and weight, blood pressure, and pulse

Once your medical exam is completed, an underwriter from the life insurance company will review your medical records and approve or deny your application.

Timeline for going from quote to coverage

On average it takes two to six weeks to be approved for a term life insurance policy.

This timeline depends on how quickly we (you, Team Quotacy, your medical record’s office, and the life insurance company) all work together.

We have guided over 26,900 (and counting) customers like you through their life insurance buying journey. We would be happy to help you go from quote to coverage at Quotacy.

Buy life insurance for someone else

Key people who would be financially impacted by your death—your spouse, kids, or life partner—have an insurable interest in you. People with an insurable interest can buy life insurance on you and be named as your beneficiary.

Download our buyer's guide

We’ve got your life insurance questions covered in our buyer’s guide.

The Modern Consumer’s Guide to Buying Life Insurance Online

Term and life insurance

Things to Look for When Shopping Online for Life Insurance

Anonymous Window Shopping

Works with Reputable Carriers

Easy-to-Understand Language

Agent from Start to Finish and Beyond

The Life Insurance Buying Process

Verification Call and Medical Exam

Final Review and Decision

Choosing Your Beneficiaries

How to Prepare for the Life Insurance Medical Exam

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