A recent study found that most people believe the price of term life insurance is three times higher than the actual cost.1
Find out how much coverage you may need and what it can cost. Your quote is personalized – and there’s no obligation to buy.
To start, tell us about yourself:
Get your suggested coverage amount, term length, and monthly cost estimate.
The results page will let you adjust the policy amount and term length to see how it affects the cost of your quote.
Fill out and submit our contact form. We’ll reach out to you in the next 1-2 business days to discuss your needs.
Our calculator uses the Human Life Value method to suggest your life insurance needs based on what you're earning now and what you expect to earn for your family in the future.2 If you're between 18 and 40, you multiply your annual income by 30; as you get older and have fewer working years left, that multiple decreases. It's a rough estimation method, but there are other ways of estimating your protection needs, such as the DIME method, which looks at your family's Debts, Income, Mortgage obligations, and Education goals.
Coverage amount |
The bigger the policy, the higher the cost. |
Term length |
The longer the term, the more you'll pay per month. |
Age |
The older you are, the higher the cost. |
Gender |
Women tend to live longer than men, so they pay less. |
Health status |
People in better health qualify for lower rates. |
Lifestyle |
Tobacco use and other hazardous activities raise your cost. |
2021-130485 20240105