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 licensed agents are here to answer any questions you have along the way.

Request 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.

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

Easy Application

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. *

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.

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.

What is it?
Term Life Insurance
“Renting” your coverage
Whole Life Insurance
“Owning” your coverage
Term Life Insurance
10, 15, 20, or 30-year term
Whole Life Insurance
Your whole life
Term Life Insurance
Plans start at less than $18/month
Whole Life Insurance
More expensive
Cash Value
Term Life Insurance
Whole Life Insurance
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
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.

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Let’s Get Started

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


The rates shown are based on past examples of quotes provided to people based on their demographic information. These are examples of the kinds of rates you can expect. All life insurance quotes and approvals are based on age and overall health at the time of purchase. Generally, non-smokers in good health will get the most affordable life insurance rates.

To get your real rate, fill out our short form.