Protect your family's income with $100,000–$2,000,000 in coverage for 10, 15, 20, or 30 years. We compare 80+ top-rated carriers to lock in your best rate — and every birthday makes coverage cost more, so today is the cheapest day to start.
Free, no-obligation quotes · Talk to a licensed advisor, not a call center · Mon–Fri 8am–10pm, Sat 10am–4pm PST
Term life pays your family a tax-free lump sum if you pass away during the term — simple, affordable protection during the years they depend on you most:
Your paycheck keeps the household running. A policy of 8–12× your income gives your family years of breathing room, not just months.
Keep your family in their home. Match your term length to your mortgage so the house is protected until it's paid off.
College costs, childcare, and everyday needs stay covered until the kids can stand on their own.
A licensed advisor listens to what you need — no pressure, no obligation, no jargon.
As an independent full-service agency, we compare plans across the market to fit your health and budget — not one-size-fits-all.
Many healthy applicants qualify for accelerated underwriting — approval in days, sometimes with no medical exam.
Age is the single biggest factor in what you’ll pay. The sample monthly rates below are for a 20-year level term at the best health class (super preferred / preferred plus, non-tobacco):
| Age | Female | Male |
|---|---|---|
| 25 | $10/month | $12/month |
| 30 | $11/month | $12/month |
| 35 | $12/month | $13/month |
| 40 | $15/month | $17/month |
| 45 | $21/month | $26/month |
| 50 | $30/month | $38/month |
| 55 | $44/month | $59/month |
| 60 | $73/month | $104/month |
| 65 | $132/month | $192/month |
| Age | Female | Male |
|---|---|---|
| 25 | $15/month | $18/month |
| 30 | $16/month | $18/month |
| 35 | $17/month | $20/month |
| 40 | $24/month | $28/month |
| 45 | $35/month | $45/month |
| 50 | $54/month | $69/month |
| 55 | $82/month | $111/month |
| 60 | $140/month | $199/month |
| 65 | $257/month | $378/month |
| Age | Female | Male |
|---|---|---|
| 25 | $22/month | $29/month |
| 30 | $23/month | $29/month |
| 35 | $28/month | $32/month |
| 40 | $40/month | $48/month |
| 45 | $63/month | $82/month |
| 50 | $95/month | $128/month |
| 55 | $153/month | $215/month |
| 60 | $264/month | $379/month |
| 65 | $491/month | $730/month |
Why isn't $1 million double the $500,000 price? Most carriers give a volume discount at higher coverage “breakpoints,” so $1 million typically costs about 45% to 90% more than $500,000 — not twice as much.
In your 30s and 40s, rates are at their lowest and a level term locks them in for decades. In your 50s, pricing climbs faster — and at 60 and beyond, coverage is still very much available with shorter terms and the right carrier match. That’s where comparing 80+ carriers earns its keep. California residents: see our California term life insurance page for state-specific consumer protections. In Texas? See our Texas term life insurance page.
*Sample super preferred (best health class), non-tobacco rates: the lowest 20-year level term prices among the carriers we compare, quoted October 2026 for a California applicant. For illustration only. Most applicants qualify for a different class, so your rate may be higher. Your rate depends on age, health, coverage amount, term length, and carrier. Call for a personalized quote.
Many of the carriers we work with now offer accelerated underwriting — meaning qualified applicants can get term life insurance with no medical exam at all. Instead of a paramedical visit, the carrier reviews your application answers along with prescription history, MIB records, and your driving record, and many decisions come back within 24–72 hours — sometimes the same day. Want the full rundown? Read our complete no-exam term life insurance guide →.
Here’s the part most people don’t know: with true accelerated underwriting, qualified applicants may receive the same preferred rates as fully underwritten policies — this isn’t the pricier “simplified issue” coverage you see advertised on TV. Depending on the carrier and your age, no-exam coverage may be available up to $1–5 million.
The rates in the charts above are examples for the best health class — super preferred, non-tobacco. Many applicants qualify for Preferred or Standard instead, which costs more. Your actual rate depends on a few main factors:
Have a health condition like diabetes, high blood pressure, or a heart history? Each carrier rates conditions differently — see our guide to high-risk life insurance.
Two quotes are only comparable if they match on the basics. When you compare term life rates, check that each one has:
| Compare | Why it matters |
|---|---|
| Same coverage amount and term | A $500,000 20-year quote can't be compared with a $250,000 30-year quote. |
| The health class you'll actually get | Online quotes often show the best class. If you're approved at a lower class, the price goes up. |
| Conversion option | Lets you switch to permanent coverage later without a new medical exam — valuable if your health changes. |
| Living benefits riders | Some policies let you access part of the benefit early for a terminal, chronic, or critical illness. |
| Carrier financial strength | Look for strong ratings from independent agencies like AM Best. |
The easiest way to compare is to have an independent agency do it for you. We shop 80+ carriers and match your health profile to the carrier most likely to give you its best rate class — so the price you see is the price you get.
We're licensed in many states. See term life options where you live:
Only need a smaller policy to cover funeral costs? See final expense insurance. Want to hear from our clients first? Read our reviews.
We work for you, not one insurance company. With 80+ carriers to choose from, the policy is built around your needs — term, whole life, or final expense.
One of the top-producing independent life insurance agencies in the U.S., helping families find the right coverage since the 1990s.
Our clients say it best: “not fast-talking sales people, but patient educators.” We explain your options in plain English and let you decide.
Term Life Insurance in California — California-specific rates, carriers, and guidance for CA families.
No-Exam Term Life Insurance — skip the medical exam and get covered in days, not weeks.
Match the term to your longest obligation: a 30-year mortgage or young kids usually means a 20–30 year term; if the mortgage is nearly paid and the kids are grown, 10–15 years may be all you need. An advisor can help you right-size it in one short call.
Yes — term life is available well into your 60s, and we work with carriers that are flexible on conditions like high blood pressure, diabetes, and past health events. Because we compare 80+ carriers, we can usually find one that treats your situation favorably.
Not always. Many carriers now offer accelerated underwriting for healthy applicants — just health questions, with approval in days. Where an exam earns you a meaningfully better rate, we'll tell you honestly.
Coverage simply ends, or you can typically renew annually at a higher rate. Many policies also let you convert to permanent coverage before a deadline without a new medical exam — a valuable option we'll help you understand up front.
In the best health class (super preferred, non-tobacco), a 20-year $500,000 policy may run roughly $16–$45/month from age 30 to 45, and about $54–$199/month from age 50 to 60, depending on age, gender, and health class. Comparing carriers matters most at older ages, where pricing spreads widen.
Often less than people expect — a 40-year-old non-smoker in the best health class may pay about $40/month (women) to $48/month (men) for a 20-year, $1 million policy, based on the sample rates above. Because we compare 80+ carriers, we can usually find the carrier that treats your profile most favorably.
Most term policies include a conversion privilege that lets you switch to permanent coverage without a new medical exam, within a set window. If flexibility matters to you, we’ll prioritize carriers with strong conversion options.
Match the term to your longest obligation — commonly the years until your mortgage is paid off or your youngest child is independent. A 30-year term costs more per month but locks today’s rate for longer.
In the best health class (super preferred, non-tobacco), a $250,000 20-year policy can cost roughly $11–$12 a month at age 30 and $30–$38 a month at age 50, based on the sample rates above. Your rate depends on your age, health, tobacco use, coverage amount, and term length.
No. With level term life insurance, your premium is locked in for the entire term you choose — 10, 20, or 30 years. Rates only rise if you renew after the term ends.
Yes. Tobacco and nicotine users typically pay two to three times as much as non-smokers. Many carriers offer non-smoker rates once you've been tobacco-free for at least 12 months.
Term life rates rise with every birthday — and can jump after a health change. One free phone call tells you exactly what you'd pay today, with no pressure and no obligation.
Compare Life Insurance · National Producer License NPN # 2764713 · Licensed in most states
Protect your family's income with $100,000–$2,000,000 in coverage for 10, 15, 20, or 30 years. We compare 80+ top-rated carriers to lock in your best rate — and every birthday makes coverage cost more, so today is the cheapest day to start.
Free, no-obligation quotes · Talk to a licensed advisor, not a call center · Mon–Fri 8am–10pm, Sat 10am–4pm PST
Term life pays your family a tax-free lump sum if you pass away during the term — simple, affordable protection during the years they depend on you most:
Your paycheck keeps the household running. A policy of 8–12× your income gives your family years of breathing room, not just months.
Keep your family in their home. Match your term length to your mortgage so the house is protected until it's paid off.
College costs, childcare, and everyday needs stay covered until the kids can stand on their own.
A licensed advisor listens to what you need — no pressure, no obligation, no jargon.
As an independent full-service agency, we compare plans across the market to fit your health and budget — not one-size-fits-all.
Many healthy applicants qualify for accelerated underwriting — approval in days, sometimes with no medical exam.
Age is the single biggest factor in what you’ll pay. The sample monthly rates below are for a 20-year level term at the best health class (super preferred / preferred plus, non-tobacco):
| Age | Female | Male |
|---|---|---|
| 25 | $10/month | $12/month |
| 30 | $11/month | $12/month |
| 35 | $12/month | $13/month |
| 40 | $15/month | $17/month |
| 45 | $21/month | $26/month |
| 50 | $30/month | $38/month |
| 55 | $44/month | $59/month |
| 60 | $73/month | $104/month |
| 65 | $132/month | $192/month |
| Age | Female | Male |
|---|---|---|
| 25 | $15/month | $18/month |
| 30 | $16/month | $18/month |
| 35 | $17/month | $20/month |
| 40 | $24/month | $28/month |
| 45 | $35/month | $45/month |
| 50 | $54/month | $69/month |
| 55 | $82/month | $111/month |
| 60 | $140/month | $199/month |
| 65 | $257/month | $378/month |
| Age | Female | Male |
|---|---|---|
| 25 | $22/month | $29/month |
| 30 | $23/month | $29/month |
| 35 | $28/month | $32/month |
| 40 | $40/month | $48/month |
| 45 | $63/month | $82/month |
| 50 | $95/month | $128/month |
| 55 | $153/month | $215/month |
| 60 | $264/month | $379/month |
| 65 | $491/month | $730/month |
Why isn't $1 million double the $500,000 price? Most carriers give a volume discount at higher coverage “breakpoints,” so $1 million typically costs about 45% to 90% more than $500,000 — not twice as much.
In your 30s and 40s, rates are at their lowest and a level term locks them in for decades. In your 50s, pricing climbs faster — and at 60 and beyond, coverage is still very much available with shorter terms and the right carrier match. That’s where comparing 80+ carriers earns its keep. California residents: see our California term life insurance page for state-specific consumer protections. In Texas? See our Texas term life insurance page.
*Sample super preferred (best health class), non-tobacco rates: the lowest 20-year level term prices among the carriers we compare, quoted October 2026 for a California applicant. For illustration only. Most applicants qualify for a different class, so your rate may be higher. Your rate depends on age, health, coverage amount, term length, and carrier. Call for a personalized quote.
Many of the carriers we work with now offer accelerated underwriting — meaning qualified applicants can get term life insurance with no medical exam at all. Instead of a paramedical visit, the carrier reviews your application answers along with prescription history, MIB records, and your driving record, and many decisions come back within 24–72 hours — sometimes the same day. Want the full rundown? Read our complete no-exam term life insurance guide →.
Here’s the part most people don’t know: with true accelerated underwriting, qualified applicants may receive the same preferred rates as fully underwritten policies — this isn’t the pricier “simplified issue” coverage you see advertised on TV. Depending on the carrier and your age, no-exam coverage may be available up to $1–5 million.
The rates in the charts above are examples for the best health class — super preferred, non-tobacco. Many applicants qualify for Preferred or Standard instead, which costs more. Your actual rate depends on a few main factors:
Have a health condition like diabetes, high blood pressure, or a heart history? Each carrier rates conditions differently — see our guide to high-risk life insurance.
Two quotes are only comparable if they match on the basics. When you compare term life rates, check that each one has:
| Compare | Why it matters |
|---|---|
| Same coverage amount and term | A $500,000 20-year quote can't be compared with a $250,000 30-year quote. |
| The health class you'll actually get | Online quotes often show the best class. If you're approved at a lower class, the price goes up. |
| Conversion option | Lets you switch to permanent coverage later without a new medical exam — valuable if your health changes. |
| Living benefits riders | Some policies let you access part of the benefit early for a terminal, chronic, or critical illness. |
| Carrier financial strength | Look for strong ratings from independent agencies like AM Best. |
The easiest way to compare is to have an independent agency do it for you. We shop 80+ carriers and match your health profile to the carrier most likely to give you its best rate class — so the price you see is the price you get.
We're licensed in many states. See term life options where you live:
Only need a smaller policy to cover funeral costs? See final expense insurance. Want to hear from our clients first? Read our reviews.
We work for you, not one insurance company. With 80+ carriers to choose from, the policy is built around your needs — term, whole life, or final expense.
One of the top-producing independent life insurance agencies in the U.S., helping families find the right coverage since the 1990s.
Our clients say it best: “not fast-talking sales people, but patient educators.” We explain your options in plain English and let you decide.
Term Life Insurance in California — California-specific rates, carriers, and guidance for CA families.
No-Exam Term Life Insurance — skip the medical exam and get covered in days, not weeks.
Match the term to your longest obligation: a 30-year mortgage or young kids usually means a 20–30 year term; if the mortgage is nearly paid and the kids are grown, 10–15 years may be all you need. An advisor can help you right-size it in one short call.
Yes — term life is available well into your 60s, and we work with carriers that are flexible on conditions like high blood pressure, diabetes, and past health events. Because we compare 80+ carriers, we can usually find one that treats your situation favorably.
Not always. Many carriers now offer accelerated underwriting for healthy applicants — just health questions, with approval in days. Where an exam earns you a meaningfully better rate, we'll tell you honestly.
Coverage simply ends, or you can typically renew annually at a higher rate. Many policies also let you convert to permanent coverage before a deadline without a new medical exam — a valuable option we'll help you understand up front.
In the best health class (super preferred, non-tobacco), a 20-year $500,000 policy may run roughly $16–$45/month from age 30 to 45, and about $54–$199/month from age 50 to 60, depending on age, gender, and health class. Comparing carriers matters most at older ages, where pricing spreads widen.
Often less than people expect — a 40-year-old non-smoker in the best health class may pay about $40/month (women) to $48/month (men) for a 20-year, $1 million policy, based on the sample rates above. Because we compare 80+ carriers, we can usually find the carrier that treats your profile most favorably.
Most term policies include a conversion privilege that lets you switch to permanent coverage without a new medical exam, within a set window. If flexibility matters to you, we’ll prioritize carriers with strong conversion options.
Match the term to your longest obligation — commonly the years until your mortgage is paid off or your youngest child is independent. A 30-year term costs more per month but locks today’s rate for longer.
In the best health class (super preferred, non-tobacco), a $250,000 20-year policy can cost roughly $11–$12 a month at age 30 and $30–$38 a month at age 50, based on the sample rates above. Your rate depends on your age, health, tobacco use, coverage amount, and term length.
No. With level term life insurance, your premium is locked in for the entire term you choose — 10, 20, or 30 years. Rates only rise if you renew after the term ends.
Yes. Tobacco and nicotine users typically pay two to three times as much as non-smokers. Many carriers offer non-smoker rates once you've been tobacco-free for at least 12 months.
Term life rates rise with every birthday — and can jump after a health change. One free phone call tells you exactly what you'd pay today, with no pressure and no obligation.
Compare Life Insurance · National Producer License NPN # 2764713 · Licensed in most states
