Call Today 888 266 9859
and Speak to a Live Person

Life Insurance Quote in Seconds

At The Term Life Insurance Rate Company we believe in openness.

By using our online quote engine, you simply answer a few questions and we then give you a side by side comparison of all the major insurance companies.

Get a Quote!


  Low Cost Life Insurance

Finding Lowest Cost Life Insurance

Finding low cost life insurance does not have to be a difficult task. If you are shopping for life insurance, the key to finding a quality plan at the price you can afford is doing a rate comparison. Comparing rates from the top-rated insurance companies will help you make an educated decision before you fill out an application and qualify for coverage. With so many different insurance companies advertising their products, requesting quotes individually can be a time-consuming task. This is why wise consumers are choosing to do business with an online brokerage so that they can save both time and money.

How Can an Online Insurance Brokerage Help Applicants Find Low Cost Insurance?

One of the greatest things about an online insurance brokerage is that they are an independent agency. Other captive agencies are required to market life insurance products from one specific carrier. Independent agencies are licensed to market, recommend, and sell policies from all of the leading carriers in the industry. This means that when you contact an independent brokerage for quotes, you can price shop at one convenient location. When you price shop with a captive agency, you will need to call several different companies to compare pricing and make an educated decision.

What Types of Low Cost Life Insurance Policies Are Available?

When you are not familiar with term life insurance, buying a policy can be a daunting and confusing chore. With so many different plans available, getting professional help is extremely important. You no longer have to sacrifice convenience for an expert recommendation when you trust an online brokerage to help. While the leading online brokerages do offer detailed online quoting forms, you also have the option to speak with a live representative who will help you select a policy type and coverage limit. If you have already began the shopping process you may be be familiar with some of the larger branded brokerages, such as SelectQuote and Zander Insurance Group, but going with big brand will not always save you the most money. Term Life Insurance Rate Company is a smaller company that can offer you personalized attenion you need to cutsomize a policy specifically to meet your family's needs.

Most agents who are assisting applicants on a budget will recommend that the applicant apply for a term life insurance policy. Term life insurance is a produce that offers the insured level premiums and a level death benefit for a specified period of time. Terms can range from 5 years in length to 30 years in length. These inexpensive policies are great for providing temporary and long-term protection to families.

When applicants buy a guaranteed term policy, they have the peace of mind in knowing that premiums will remain level until the policy expires. Carriers can only raise premiums when they extend an offer for a non-level term. By speaking with a live representative, you will have peace of mind in knowing that you understand the type of policy you are applying for before you go through the underwriting process.

The Brokerage Represents You and Not the Insurance Company

When you meet with a captive insurance agent, their job as an agent is to represent the company. If you want to do business with a representative that is representing you, do business with an online brokerage. Their goal is to find you the best value for your money so that you feel good about your purchase. Your representative will match you to the best policy, help you with the paperwork, and assist you throughout the underwriting process until the policy is issued.

Do business with a company that has your best interests in mind. Complete an online quoting form, see how much you should budget for coverage, and speak with an insurance agent today to discuss which policies will suit your needs. Shopping for and buying life insurance has never been easier or more convenient for consumers who are pressed for time but still do not want to sacrifice quality.


Fill out the following form for your instant term life insurance quotes