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*Most individuals will qualify for life insurance coverage without the need for a medical exam.
What to Know
Term life insurance policies are 100% online or with an agent and protect your family should something happen to you. You choose your term and a large or small amount of coverage – all at a low cost. Certain stages of life come with greater financial burdens than others and term life insurance provides peace of mind when you need it most.
Benefits of Term Life Insurance
No medical exam required, apply in minutes and receive your policy instantly.* 100% online.
Policies can cost less than $18/month.
Choose your term and the coverage that’s right for you.
Coverage up to $1 million. A policy for everyone.
Earn rewards and discounts for living a healthy lifestyle.
Term vs. Permanent: Which Type of Life Insurance Do I Need?
See just how affordable
term life rates can be. *
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.
Term: 20 years
At 33, John and his partner just welcomed their second child. He wants an affordable life insurance policy that will protect his growing family.
Term: 15 years
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.
Term: 20 years
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:
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.
We’ve been doing this for a while.
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.
Apply for term life insurance online or with support from our trusted agents today.