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The easiest and best place to get term life insurance quotes these days is right at your fingertips – on the very device you are reading this article from! Sure, you could still meet with an insurance broker in your home or in their office… but it’s much easier, faster, and more convenient to simply use one of many resources available online to get started with your term life insurance needs.
Listed below are just a few of the top places online to get started with your term life insurance quotes. Each site is slightly different, with some catering more specifically to people in certain periods of their life or in specific situations. I personally prefer to use the insurance marketplace (aka insurance broker) sites because they shop around many different insurance providers to find the very best deal for you.
PolicyGenius.com is one such insurance marketplace that provides quotes for you from several of the nation’s top insurers. I have personally used Policy Genius to get term life insurance quotes in the past, and we ended up purchasing a new term life insurance policy for my wife through the platform.
Policy Genius offers insurance options in addition to life insurance, including; home, auto, and disability insurance. Policy Genius also boasts near-perfect ratings on Trustpilot, BBB, and Google.
Getting started with your quote is really easy. Just click on the type of insurance that you are interested in, then complete the easy-to-fill forms.
Ladder Life Insurance is an innovative platform that offers term life insurance plans in a unique way that allows you to change (or “ladder”) your premium and payment amounts as your insurance needs change. Ladder sells life insurance policies that are issued by insurers with long, proven histories of paying claims.
Ladder focuses solely on term life insurance plans as they do not offer any other types of insurance. Ladder also boasts amazing review rates on sites like Trustpilot.
Getting started with your quote at Ladder is stupidly simple. The 3-step process includes…
- Tell us about yourself
- See if you are instantly approved
- Activate your policy
Bestow is an online platform that offers term life insurance where you can get a free, no-obligation quote in just seconds then proceed to continue with your application if you like what you see. Bestow is “changing life insurance for good,” by making it fast and easy to help more people find financial protection.
Bestow is fast, affordable, and trusted – where online applications can be completed in just minutes, healthy applicants may qualify for coverage starting at just $11/month, and they have an excellent A+ rating from the Better Business Bureau.
Bestow is one of my top recommendations for online life insurance because of the speed and simplicity of their process. Getting started with your quote at Bestow is crazy fast and easy. The 3-step process includes…
- Answer a few easy questions
- See your price
- Boom! You’re covered
Fabric by Gerber Life
Fabric by Gerber Life is an all-in-one platform tailored for parents, which includes; life insurance, wills, and other tools to organize your family’s finances. The digital experience created by the co-founders of Fabric has partnered with Gerber Life – a brand trusted by millions of families for over 50 years.
Fabric’s term life insurance application takes about 10 minutes to apply for, with term lengths and coverage options to suit your budget. Fabric also offers free wills for you and your spouse, which can be created in just 5 minutes on your smartphone!
Fabric wants to help you tackly your parental must-do list by getting started with their easy questionnaire.
Compare Life Insurance Rates for the Best Deal
Shopping for life insurance is super-easy, and the process is painless with all of these wonderful online options available. It typically only takes a few minutes to complete an online application and get a quote. You are never obligated to buy, and getting a quote has no effect on your credit rating (like it does if you apply for credit somewhere).
I would highly recommend that you shop around and get several quotes for term life insurance before you make a final decision. You may be surprised by how the rates can vary with different insurers.
The Best Place to Get Term Life Insurance Quotes
The best place to get term life insurance quotes very well may be one of the providers listed above on this page – as they are among the best and most popular. However, there are many other options available as well. It never hurts to ask your family & friends where they purchased term life insurance and consider their recommendations.
If you have a friend or family member who does not yet have life insurance – send them to this page so they can get started with financial responsibility for their family as well!
Related Read: Passive Income for Your Loved Ones