Term Life

Provide financial stability for your family.

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

Mother and daughter baking together in kitchen, just qualified for term life insurance with Quility

At Quility, we leave the decisions to you.

Get term life insurance your way.

Apply Now

Get the coverage you need instantly with no medical exam.

Live Chat With an Advisor

Our trusted advisors 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.
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What to Know

Term life insurance policies are simple and affordable plans to 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 online or with the help of a Quility insurance advisor

Affordable

Policies can cost less than $20/month

Flexible

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

Father, mother and daughter sitting together on couch, just applied for term life insurance online with Quility

Not sure if a term policy is the right choice for your family? Read our guide to term life insurance for new parents.

See just how affordable term life insurance rates can be.*

Young woman standing in kitchen, just qualified for term life insurance with Quility
Meet Angela D.
At 28, Angela wants an affordable life insurance policy for this busy life stage.

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.
John is 33 years old and needs an affordable life insurance policy for his growing family.

Coverage: $100,000

Term: 25 years

Rate: $27/month

Father, Mother and daughter group hug, just got term life insurance for 17 dollars a month with Quility
Meet Althea G.
Althea, a 36-year-old mom of two, can provide for her loved ones if she passes away.

Coverage: $150,000

Term: 15 years

Rate: $17/month

Ready to apply?

Get a free quote in seconds based on your insurance needs, then continue to our online application and secure the coverage you need in 10 minutes. It’s that simple.

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, 25, or 30-year term
Whole Life Insurance
Your whole life
Affordability
Term Life Insurance
Plans start at less than $20/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 advisors, 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.

Do I qualify for term life insurance?

Most people who are in good health will qualify for coverage. You may still qualify for term life insurance if you have existing health problems, although your premium will likely be higher.

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 $20/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 advisors to ensure you are securing the right amount of coverage for your family.

Featured Articles
mom and two kids playing on swingset, protected with term life insurance
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.
father and little baby, our guide to term life insurance for new parents
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 advisors today.