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Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Term Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
ATTN: 2024 Term Life Insurance rates just released!
Get the latest Term Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies today.
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Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Term Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Term Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family’s financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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With PolicyHub getting started is easy. Compare all the Term Life Insurance rates from all the providers. Get started in under 15 minutes.
All your Term Life Insurance needs in one place.
Term life insurance is a type of life insurance that provides coverage for a specific period of time or "term". If the policyholder dies within the term, the death benefit will be paid out to the beneficiaries. However, if the policyholder outlives the term, the policy will either end or renew for a new term. It's typically less expensive than permanent life insurance.
Level term life insurance offers steady premium payments and death benefits throughout the policy term, ideal for those desiring long-term financial stability. Decreasing term life insurance, with a gradually reducing death benefit but consistent premiums, suits individuals with decreasing financial responsibilities over time.
Increasing term life insurance provides a rising death benefit while keeping premiums typically constant, appropriate for those foreseeing growing financial needs. Renewable term life insurance allows for policy extension after the term expires without a new health exam, suitable for those expecting prolonged need for coverage, albeit with potentially higher premiums.
Save time and get the best Term Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Term Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Term Life Insurance agent.
Roy Stephens
term life insurance agent
Roy Stephens is a licensed term life insurance agent licensed in your state.
Mark Sidway
term life insurance agent
Mark Sidway is a licensed term life insurance agent licensed in your state.
Cale Reeves
term life insurance agent
Cale Reeves is a licensed term life insurance agent licensed in your state.
"I was searching for Term Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you’re getting the best price for Term Life Insurance.
Frequent Questions...
Term life insurance is a type of life insurance that provides coverage for a specified "term" or period of time (for example, 10, 20, or 30 years). If the insured person passes away during this term, a death benefit is paid out to the beneficiaries. It's typically the most straightforward and least expensive type of life insurance.
How does term life insurance work?
You choose a term and coverage amount, then pay premiums on a regular basis (typically monthly or annually). If you pass away during the term, the insurer will pay the coverage amount (the "death benefit") to your designated beneficiaries. If you're still alive when the term ends, coverage ends, and you'll no longer need to pay premiums, but there's also no payout or cash value.
Who can apply for term life insurance?
Almost anyone can apply for term life insurance, but it's particularly suitable for people who have a temporary need for coverage or a limited budget. It's often a good choice for younger adults in good health, as premiums are typically lower for this group. That said, the exact eligibility requirements (including age limits and health conditions) will depend on the individual insurance company.
What is the difference between term and whole life insurance?
The main difference between term and whole life insurance is the duration of coverage and cash value accumulation. Term life insurance provides coverage for a specified term, after which it expires without any payout. On the other hand, whole life insurance provides lifelong coverage and also accumulates a cash value over time that you can borrow against.
How much term life insurance do I need?
The amount of term life insurance you need depends on your personal financial circumstances. Generally, you should consider your current debt, your income, your dependents' needs, and future expenses such as education costs for your children or retirement for your spouse. A common recommendation is to have coverage that's 10-15 times your annual income.
Like whole life insurance, universal life insurance provides lifelong coverage and has a cash value component. However, it differs in that it offers more flexibility—you can change the premium and death benefit amounts within certain limits. Term life insurance doesn't have a cash value component and only lasts for a specific term.
How much is term life insurance?
The cost of term life insurance depends on various factors including your age, health, lifestyle habits (like smoking), the term length, and the death benefit amount. Young, healthy individuals can often get substantial coverage for an affordable premium.
Who should consider term life insurance?
Term life insurance is often a good choice for those with a need for coverage that will disappear at a specific point in the future—for example, until your children are self-sufficient or your mortgage is paid off. It's also suitable for people who need a large amount of coverage but have a limited budget. However, individual needs can vary, so it's a good idea to speak with a financial advisor or insurance professional.
How much does term life insurance cost?
While policies vary, with PolicyHub you could get an awesome term life insurance policy for as little as $1 per day.
Do I need a medical exam?
In many cases, your PolicyHub expert will be able to find you incredible life insurance policies without a medical exam. Individual situations will vary.
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