If you’re looking for instant level term life rates, you’re in the right place. We represent more than 50 life insurance companies and will show you all the top rated life insurance carriers side by side (like the image below).
(If you want the rates NOW, scroll to the bottom of this post)
First we’ll explain exactly how level term life insurance works:
Level term life insurance policy premiums are guaranteed level for the specified term length. Term policies can run 10, 15, 20, 25 and 30 years. The longer the level term life insurance length, the more expensive your policy will be.
The biggest draw towards these policies is the guarantee that your premiums will always stay level and the death benefit will always stay the same.
Level term life insurance rates are determined by:
1. Term Length
2. Coverage Amount
3. Health Classification
Determining term length and coverage amount is up to you. If your ideal amount of coverage and term length is too expensive, you’ll need to adjust either one of those until you find a comfortable premium.
If you’re not sure how much coverage you need or how long you need the coverage, we can ask you some key questions and help you make those choices.
Health classification ranges from Preferred Plus, Preferred, Standard Plus, Standard and then 16 The health classifications below standard known as table ratings. This is something you as a consumer can only “ballpark”, but your agent will be able to tell with certainty.
Keep in mind your health classification can vary from carrier to carrier. If you are put in a Standard class at one company, you may get a Preferred rating at another.
For example, you may be receiving “Standard” rates from several different companies, but there might be 1 company that will offer you a “Preferred” health class. That’s what an independent life insurance agent can do for you – find the best rate based on your specific risk.
The company you choose can be the difference in hundreds or even thousands of dollars saved every year.
With that said, plug in your information on our website and receive quotes from all the top rated carriers. You’ll receive quotes on the next screen. Click “request application” if you’d like to apply.
If you’re a high risk, your best bet would be to call us directly or request a quote from our website so we can evaluate your risk and find that life insurance company who would give you the best rate.
There are many different things you’ll need to get consider when shopping for coverage. Regardless of how you decide to buy coverage or the plan you choose, you need a quality policy to protect your family. This takes a combination of having access to every top rated life insurance carrier, knowledge of their underwriting and experience…which we provide at no cost to you.