FAQ's on Buying Term Life Insurance

Why Should I Apply For Term Life Insurance With LowRateLife?

Top-Rated - LowRateLife only offers term life insurance policies from companies that have been rated A or better by A.M. Best.

Low Cost - We shop for the lowest life insurance rates so you don’t have to call multiple life insurance agents to get competitive pricing. Our customers have saved not only a lot of time, but also up to 70% on their life insurance premiums!

Easy & Convenient - You can shop for life insurance easily from the comforts of your home. Best of all, you can compare life insurance quotes instantly and apply for a life insurance policy online in just minutes.

How Does Buying Term Life Insurance With LowRateLife Work?

LowRateLife offers low cost term life insurance from leading life insurance companies in the US. In just minutes, you can get quotes from multiple life insurance companies for free. With our easy-to-use comparison table, you can compare term life insurance quotes, view your life insurance rate class, read about the life insurance companies and get their A.M. Best rating.

It only takes 3 steps to apply for term life insurance on LowRateLife:
Step 1 - Complete a few questions about yourself
Step 2 - Compare quotes and receive the 10 lowest rates from multiple life insurance companies
Step 3 - Choose your life insurance policy and apply online

After you submit your life insurance application online, one of our licensed agents will call you to schedule a free medical examination.

What Does the Medical Examination Involve?

The medical examiner is a licensed paramedic and he or she can conduct the exam at your home, office or another convenient location. The exam will take 20 to 30 minutes and may involve a blood and urine sample, blood pressure reading, height and weight measurements and a series of questions regarding your medical history.

Am I Obligated To Buy a Term Life Insurance Policy After I Apply?

You are not obligated to purchase a term life insurance policy unless you are 100% satisfied. Once the policy is issued, you will have time to review and make sure that you want the policy. Even if you have paid to place the life insurance policy in force, you have a 10-day free-look period (longer in some states) to return your policy for a full refund.

Get Free Term Life Insurance Quotes Here

Life Insurance Info

Term Life Insurance 101 : Basic life insurance information, such as benefits of life insurance and a guide to how much life insurance you need.

Life Insurance Glossary : Definitions of commonly used terms for life insurance.

FAQ’s : Frequently asked questions about shopping for term life insurance with LowRateLife.

What Customers Said

"I saved $516 a year on term life insurance... Thank you!"

James - St. Louis, MI.

"The service was great. The people I spoke with were very knowledgeable and it seemed like they really cared. Something you don't encounter very often. I will recommend your company to others."

Craig - Atlanta, GA.

"I compared rated from several other services like yours and found yours to be the lowest. The site was also very easy to use."

Sid - Carey, NC.

LowRateLife offers free instant quotes for term life insurance from leading life insurance companies in the following states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Washington DC (District of Columbia), Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming