Shopping for instant life insurance is the easiest and quickest way to get term life insurance pricing online. When you just want an idea of what the cost will be and don’t have time to speak with a broker or fill out multiple applications, this is the way to go. Below are three easy steps that will help you get the quickest and most accurate term life insurance quote.

1. Calculate How Much Life Insurance You Need

Some people will tell you the easiest way to calculate how much life insurance you need is to simply multiply your salary by seven. While that may get you close, just take a few more minutes to get a more accurate picture of how much you’ll need by completing a “Needs Analysis.” Just add up the following:

  1. Short Term Expenses: medical, funeral and legal expenses upon your death
  2. Long Term Expenses: balance on your mortgage, college tuition
  3. Day-to-Day Expenses: food, utilities, travel (Multiply 1 year of expenses by the number of years you want your beneficiary to receive this money.)
  4. Current Financial Assets: savings, social security, investments
  5. Add your totals from steps 1-3 and then subtract the total from step 4. That should give you an accurate figure of how much life insurance you need.

2. Complete This Online FormIn Less Than A Minute

Here’s the easy part. Get a quote by clicking the link above and select answers for the 8 short questions on the quote page and click Continue. That’s it! You should instantly see about 20 term life insurance quotes from which you can choose. Compare the quotes by taking into consideration the insurance carrier’s rating, the term length and the price. Then click Continue next to the one you want and you’ll be taken to another page for the final step.

3. Choose A Company And Submit Your Application

On the Request An Application page, simply complete the required fields for your contact information and several Yes or No health questions and then click Send. That’s it! You’re done. In less than a minute, you’ve gotten loads of term life insurance quotes and sent your application to a member of our life insurance team who will contact you within one business day to get your policy started.


In a fast paced world, shopping for term life insurance shouldn’t slow you down. Getting dozens of instant life insurance quotes online with us should take you less than a minute. With all that free time on your hands, you can get back to doing what you enjoy, living your life.