Affordable Term Life Insurance in Minutes
Protect and provide for your loved ones in minutes with low-cost, instant-decision term life insurance.

Affordable Term Life Insurance in Minutes

Protect and provide for your loved ones in minutes with low-cost, instant-decision term life insurance.

Apply in Minutes

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Why term life insurance?
Term life insurance policies are simple and budget-friendly plans with no medical exams1 and coverage options up to $1M. Get the coverage and peace of mind you need with our 100% online application with instant decision. Applying takes just minutes from start to finish.

1 Most but not all individuals will qualify for term life insurance without the need for a medical exam.

Apply 100% Online
No medical exam, phone calls or in-person consultations
Budget Friendly
Some of the lowest rates in the country starting at $18/month2
Customized Policies
Customize your plan with a 10, 15 or 20-year term
Instant Decision

Start and finish your application in minutes with a decision on the spot

2 Please note that the price shown above is an estimate for a 10-year term with $500,000 in coverage based on a 35-year old female who is healthy and a non-smoker.

Why term life insurance?
Term life insurance policies are simple and budget-friendly plans with no medical exams1 and coverage options up to $1M. Get the coverage and peace of mind you need with our 100% online application with instant decision. Applying takes just minutes from start to finish.

1 Most but not all individuals will qualify for term life insurance without the need for a medical exam.

Apply 100% Online
No medical exam, phone calls or in-person consultations
Budget Friendly
Some of the lowest rates in the country starting at $18/month2
Customized Policies
Customize your plan with a 10, 15 or 20-year term
Instant Decision

Start and finish your application in minutes with a decision on the spot

2 Please note that the price shown above is an estimate for a 10-year term with $500,000 in coverage based on a 35-year old female who is healthy and a non-smoker.

How It Works

Get Started
Fill out our short form to begin.
Apply in Minutes
Receive your quote on the spot and move on to our 100% online application.
Receive Your Policy Instantly*
Pay easily online, no medical exam required.

* All final life insurance approvals are subject to personal health history and carrier-
specific underwriting guidelines.

Term Life Insurance Features
Guaranteed premiums
Premiums guaranteed to stay the same for the selected initial term period. Plus, at the end of this level period, the policy can be continued to age 85 at annually increasing rates.
Accelerated Death Benefit Rider
Included at no additional cost, providing early access to a portion of the death benefit if the insured is diagnosed with a terminal illness.
Term Life Insurance Features
Guaranteed premiums
Premiums guaranteed to stay the same for the selected initial term period. Plus, at the end of this level period, the policy can be continued to age 85 at annually increasing rates.
Accelerated Death Benefit Rider
Included at no additional cost, providing early access to a portion of the death benefit if the insured is diagnosed with a terminal illness.

* Depending on age and income

Insurance Your Way

Quility’s tech-enabled platform makes getting term life coverage simple. Quility is backed by more than 80 trusted insurance companies and thousands of licensed insurance agents who can answer any questions you may have, saving you both time and money.

Insurance Your Way

Quility’s tech-enabled platform makes getting term life coverage simple. Quility is backed by more than 80 trusted insurance companies and thousands of licensed insurance agents who can answer any questions you may have, saving you both time and money.

Frequently Asked Questions
Term life insurance is just what it sounds like: life insurance for a specified policy term, usually ranging from 10-30 years. Think of it as “renting” your insurance coverage.

*The rate shown above is based on past averages of quotes provided to people based on their demographic information. All life insurance approvals and actual quotes are subject to personal health history and carrier-specific underwriting guidelines. Your actual rates and quotes may vary, and the underwriting process may determine that your actual premium quotes are higher or lower than the rate shown above.

You will make monthly or annual payments to your insurance company to keep your policy intact and if you die while your policy is in force, the insurance company pays death benefits to your named beneficiaries.
Application for Coverage
Make Payments
Update your insurance coverage as needed
If your loved ones would face financial hardship if you died, due to a mortgage or debts you leave behind, you need life insurance.
 

Term life insurance is one of the most affordable types of life insurance available – and Quility offers great rates starting at less than $20/month.

TIP Premiums are based on your age and health at the time you apply for coverage. For the most affordable rate, it makes sense to apply when you’re young and healthy.

To apply for life insurance coverage, you will be asked to provide basic contact information, select your coverage and term amount, answer questions about your medical history, and name your beneficiary.
At the end of your term, you can get a new policy or convert your policy to a permanent life insurance policy.
Frequently Asked Questions
Term life insurance is just what it sounds like: life insurance for a specified policy term, usually ranging from 10-30 years. Think of it as “renting” your insurance coverage.

*The rate shown above is based on past averages of quotes provided to people based on their demographic information. All life insurance approvals and actual quotes are subject to personal health history and carrier-specific underwriting guidelines. Your actual rates and quotes may vary, and the underwriting process may determine that your actual premium quotes are higher or lower than the rate shown above.

You will make monthly or annual payments to your insurance company to keep your policy intact and if you die while your policy is in force, the insurance company pays death benefits to your named beneficiaries.

Application for Coverage
Make Payments
Update your insurance coverage as needed
If your loved ones would face financial hardship if you died, due to a mortgage or debts you leave behind, you need life insurance.
 

Term life insurance is one of the most affordable types of life insurance available – and Quility offers great rates starting at less than $20/month.

TIP Premiums are based on your age and health at the time you apply for coverage. For the most affordable rate, it makes sense to apply when you’re young and healthy.

To apply for life insurance coverage, you will be asked to provide basic contact information, select your coverage and term amount, answer questions about your medical history, and name your beneficiary.
At the end of your term, you can get a new policy or convert your policy to a permanent life insurance policy.
Ready to get started?
Ready to get started?