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Term Life Insurance Quotes
Term life insurance is often the most affordable type of life insurance. It can help protect your home, your debts, and your family’s income for a set number of years, usually 10 to 30.
Shop top-rated insurance companies in minutes with one call, an appointment with a licensed agent, or online, completely on your own.
- Free to compare, with no obligation to buy
- No medical exam options for qualified applicants
- Help by phone, online, or in person, 7 days a week
Want to learn how term life works first? Read our term life insurance guide.
10 to 40 YearsChoose a term length that matches your mortgage, your kids, or your working years.
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Life Insurance by the Numbers
What a national study found about American families, and what waiting can do to your price.
52%of Americans own at least one life insurance policy
92Madults say they need life insurance or need more of it
3 in 4people overestimate what life insurance costs
47%would feel the money strain within six months if a main earner died
The Cost of Waiting
Sample monthly price for the same $500,000, 20-year term policy, healthy non-tobacco applicant.
The same coverage costs more than 8 times as much at 55 as it does at 25. Your health can change too, so the best time to lock in a rate is usually now.
Statistics: 2026 Insurance Barometer Study, LIMRA and Life Happens. Chart: sample rates from one A-rated insurance company we represent, gathered in 2026. Not quotes or offers. Your price depends on underwriting.
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Two Main Decisions When Choosing Term Life Insurance
1. The Length of the Term
Choose a term that lasts until your biggest responsibility ends, such as the mortgage payoff, your youngest child finishing school, or retirement. Terms run from 10 to 40 years. A longer term costs more each month, but it is often less expensive overall than buying a short policy and replacing it later at an older age, when your health may have changed. When you are unsure, many families lean toward the longer term.
2. Death Benefit Only, or Living Benefits Too
A death benefit pays your family if you pass away during the term. Living benefits let you use part of that money early after a qualifying terminal, chronic, or critical illness. Policies without them can cost less, but the difference is often small, and some companies include them at no extra charge. If your savings could not cover medical bills and lost income during a serious illness, living benefits may be worth far more than they cost.
What You Need for an Accurate Quote
A quote is only as close to your real price as the answers behind it. Having these details ready takes about five minutes and keeps surprises out of underwriting.
About You
- Date of birth
- Gender
- Height and weight
- State and zip code
Your Health
- Medications you take
- Conditions and when they were diagnosed
- Tobacco or nicotine use
- Parents or siblings with heart disease or cancer
Your Coverage
- How much coverage you want
- How many years you need it
- Life insurance you already own
- Who your beneficiaries will be
What Changes Your Term Life Insurance Price
Insurance companies set your rate by estimating risk. Tap each factor to see how it can move your quote.
Age
Age is the biggest driver of price. Each year you wait, the rate for the same coverage usually goes up, and some insurance companies price by your nearest birthday rather than your last one. Getting quotes before a birthday can matter.
Health
Insurance companies look at height and weight, blood pressure, cholesterol, medications, and family history. Each company sorts applicants into health classes differently, so a condition one company rates harshly may be treated more kindly by another.
Tobacco
Smoking, vaping, chewing tobacco, and nicotine products can raise term life rates a great deal. Many companies offer better rates after 12 months or more without nicotine. Some treat an occasional cigar differently than daily use.
Coverage and Term
Higher coverage and longer terms cost more because the insurance company carries the risk for more money or more years. The price does not always rise in a straight line, so comparing $500,000 to $750,000, or 20 years to 25 years, can show you a better value.
Job and Hobbies
Some jobs and hobbies, such as piloting a private plane, scuba diving, or certain driving records, can add a flat extra charge. Others make no difference at all. Telling us up front helps us pick a company that is a better fit.
An Online Quote vs. a Broker Quote
A Single Company Website
- Shows one company’s prices
- Assumes a health class you may not get
- If you are declined, you start over somewhere else
- A record of the application can follow you to the next company
Golden Shield Life Insurance
- Compares more than 130 companies at once
- Matches your health history to the company most likely to rate it well
- Checks living benefits and conversion options, not just price
- The same licensed agent helps you from quote to policy
Aaron Polk’s Broker Tip
Two companies can quote the same person very differently. When I was a medical underwriter, I saw how one company might see well-controlled blood pressure as a small issue while another treats it as a bigger risk. Picking the right company before you apply is often worth more than any discount.
Sample Term Life Insurance Rates by Age
These sample monthly premiums show how age, coverage amount, and term length change the price. They are planning examples, not offers. Your quote will be based on your own answers.
| Coverage | 10-Year Term | 20-Year Term | 30-Year Term | No Exam Option |
|---|---|---|---|---|
| Age 25 | ||||
| $250,000 | $10 | $13 | $17 | $15 |
| $500,000 | $16 | $21 | $28 | $24 |
| $1 million | $28 | $37 | $50 | $43 |
| Age 35 | ||||
| $250,000 | $13 | $18 | $25 | $22 |
| $500,000 | $22 | $30 | $42 | $38 |
| $1 million | $39 | $54 | $77 | $68 |
| Age 45 | ||||
| $250,000 | $24 | $38 | $60 | $48 |
| $500,000 | $43 | $70 | $112 | $89 |
| $1 million | $79 | $132 | $209 | $165 |
| Age 55 | ||||
| $250,000 | $55 | $92 | Not offered | $110 |
| $500,000 | $104 | $178 | Not offered | $212 |
| $1 million | $200 | $348 | Not offered | $398 |
Slide the table sideways to see every column.
Shorter terms cost less
A 10-year term is usually the lowest monthly price. A 20 or 30-year term costs more but keeps the same rate for longer.
No exam can cost more
Skipping the exam is faster, but the insurance company takes on more unknowns, so the price can be a little higher.
Prices vary by company
These rates come from one company. Another may price you higher or lower, which is why we compare more than 130.
Sample rates were gathered from insurance company rate illustrations in 2026 for good health, non-tobacco applicants and are for education only. They are not quotes, offers, or guarantees. Final premiums depend on underwriting, health, lifestyle, state, coverage amount, term length, and the insurance company. Not every term length is available at every age.
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“I was searching for term life insurance in Atlanta and came across Golden Shield Life Insurance. I was not sure of the difference between term and whole life, but they explained it clearly and gave me multiple quotes. The rates were affordable and I highly recommend Golden Shield.”Michael Blasco, Atlanta, GA · Read our Google reviews
Get Your Free Term Life Quotes
Answer a few questions and a licensed agent will send your quotes, usually the same day.
- Quotes from more than 130 insurance companies
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- Your information is never sold
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