Term Life

Provide financial stability for your family.

Simple and affordable plans with no medical exams and cash-back options.

We work with top insurance carriers.

Get term life insurance your way.

Apply Now

Get the coverage you need instantly with no medical exam.*

Live Chat With an Agent

Our trusted agent are here to answer any questions you have along the way.

Schedule a Consultation

A licensed agent can help you find a plan, either over the phone or through video conference.

*Most individuals will qualify for life insurance coverage without the need for a medical exam.

Benefits of Term
Life Insurance

Easy Application

No medical exam required, apply in minutes and receive your policy instantly.* 100% online.

Affordable

Policies can cost less than $18/month.

Flexible

Choose your term and the coverage that’s right for you.

Protection

Coverage up to $1 million. A policy for everyone.

Rewards

Earn rewards and discounts for living a healthy lifestyle.*

*For certain carriers

100% Online Term
Life Insurance

Term life insurance policies are simple and affordable plans to protect your family should something happen to you. Getting term life insurance is a decision that will protect your loved ones and provide you with peace of mind for years to come. If you have a mortgage or carry debt, term life ensures that your loved ones aren’t left with this burden when you’re gone. With Quility, you can secure a policy 100% online, and your policy will be in your inbox within minutes.

LIFE INSURANCE

Term vs. Permanent: Which Type of Life Insurance Do I Need?

LIFE INSURANCE

Term vs. Permanent: Which Type of Life Insurance Do I Need?

See just how affordable term life rates can be. *
Young woman standing in kitchen, just qualified for term life insurance with Quility
Meet Angela D.

At 26, Angela has a brand new job, is a full time grad student and has a fiancé. She wants an affordable life insurance policy that is easy to obtain to accommodate her hectic schedule.

Coverage: $50,000

Term: 20 years

Rate: $13/month

Father, Mother and daughter group hug, just qualified for term life insurance with Quility
Meet John L.

At 33, John and his partner just welcomed their second child. He wants an affordable life insurance policy that will protect his growing family.

Coverage: $500,000

Term: 15 years

Rate: $34/month

Father, Mother and daughter group hug, just got term life insurance for 17 dollars a month with Quility
Meet Althea G.

At 40, Althea, mother of two, recently purchased a brand new home with her partner. She wants coverage that will match her needs and ensure that her loved ones are protected.

Coverage: $1,000,000

Term: 20 years

Rate: $105/month

Life Insurance for
Everyone

Having a pre-existing condition like diabetes should not prevent you from keeping your loved ones protected. Quility offers term life insurance without a medical exam, and your licensed agent will ensure we find the coverage to match your individual needs.

Life Insurance for Everyone

Having a pre-existing condition like diabetes should not prevent you from keeping your loved ones protected. Quility offers term life insurance without a medical exam, and your licensed agent will ensure we find the coverage to match your individual needs.

Want more options?
We get it.

Quility Level Term offers:

Coverage up to $1 million
100% online
Flexible payment options
Various riders to suit your needs

Ready to apply?

Get a free quote in seconds then continue to our online application. Your policy will be in your inbox in just a few simple steps!*

*For certain carriers

Term vs. Whole Life Insurance

If you’re in the market for life insurance, you may be torn between purchasing a temporary (term) or a permanent (whole or universal) life insurance policy.

TERM LIFE INSURANCE
WHOLE LIFE INSURANCE
What is it?
Term Life Insurance
“Renting” your coverage
Whole Life Insurance
“Owning” your coverage
Length
Term Life Insurance
10, 15, 20, or 30-year term
Whole Life Insurance
Your whole life
Affordability
Term Life Insurance
Plans start at less than $18/month
Whole Life Insurance
More expensive
Cash Value
Term Life Insurance
No
Whole Life Insurance
Yes
Payment Flexibility
Term Life Insurance
None. If you miss a payment, your policy will terminate.
Whole Life Insurance
More flexibility given the cash value component of your policy.
Return of Premium Rider
Term Life Insurance
Yes, an option.
Whole Life Insurance
No, not an option.
Term life insurance is right for me.
I’m considering a permanent life insurance policy.

We’ve been doing this for a while.

Quility is backed by thousands of trusted agents, over 80 insurance companies and years of experience.

Mother and daughter hugging at the beach, just qualified for term life insurance with Quility
FAQs
We’ve got you covered.
FAQs
We’ve got you covered.

When should I buy term life insurance?

None of us can know when we’ll pass away or when our health situation may change for the worse. For the best rate, it makes sense to apply for term life insurance online today.

If I secure coverage 100% online, how do I receive my policy?

If approved, your policy details will be delivered via email.*

Do I qualify for term life insurance?

Most people who are in good health will qualify for coverage. However, you may still qualify for term life insurance even if you have an existing health condition, such as diabetes (though your premium may be higher).

How can I pay for my term life insurance policy?

You are able to pay for specific term life insurance policies monthly, quarterly, semi-annually or annually.

How much does term life insurance cost?

Term life insurance is generally the least expensive type of life insurance you can buy as it only covers a specified time frame. Rates can be less than $18/month.

How much life insurance coverage do I need?

Everyone has different insurance coverage needs. To help determine how much coverage is right for you and your family, visit our guide on life insurance coverage or connect with one of Quility’s insurance agents to ensure you are securing the right amount of coverage for your family.

Featured Articles
How Much Term Life Insurance Do I Need?
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How Long Should My Term Life Insurance Last?
Term life insurance allows you to choose a length of coverage, making it affordable and custom to you.
Term Life Insurance 101 for New Parents
Protect your growing family with an affordable term life policy that adjusts to your budget and goals.

Let’s Get Started

Apply for term life insurance online or with support from our trusted agents today.