Term Life Insurance Quotes Online

eTermLifePolicy.com provides consumers with the best term life insurance quotes online, within minutes.  We allow consumers to view life insurance quotes from all the top-rated carriers.

To get your term life insurance quotes online simply enter your date of birth, gender, smoker status, coverage amount , term length and health classification and then compare life insurance quotes side-by-side.  Finding the best term life insurance rates has never been easier!  If you’re interested in moving forward, you can request an application next to the quote.

Term life insurance quotes online are accurate rates provided from the life insurance companies themselves.  Rates will be the same whether you purchase your life insurance through us or go direct to the carrier.  We all use the same published term rates.

Getting Accurate Term Life Insurance Rates Online

The only variable that would make the life insurance quotes inaccurate would be if you picked the wrong health classification.  So please be careful.  Here’s a general guideline if you need help picking the health classification for your term life insurance quotes online:

Preferred Plus:
* No health impairments
* No history of diabetes, cancer or heart disease
* No high blood pressure
* Cholesterol under 220

Preferred:
* No health impairments
* No history of diabetes, cancer or heart disease
* May have controlled high blood pressure (medication ok)
* Cholesterol under 250

Standard Plus:
* Only minor health impairments
* No history of diabetes, cancer or heart disease
* May have controlled high blood pressure
* Cholesterol under 285

Standard:
* Some minor health impairments (must be under control)
* Can have a history of diabetes if under control.  Can have history of cancer if over 5 years has passed since last treatment and no signs or recurrence.
* May have controlled high blood pressure
* Cholesterol under 300

If you have any health issues or aren’t sure what health classification you belong in, we encourage you call us.  We’ll go over your options after we get a clear picture of your health.

The Next Step
Once you find the best term life insurance quotes online, and you’re comfortable with one of the policies, you can apply online or over the phone.

Applying for life insurance once you have gotten term life insurance quotes online involves us emailing you a link and you can complete the application through our secure network.  However you will still have to speak with our processors to schedule the medical exam and to collect any other information required for the application.  At the time we’ll confirm that you can qualify medically for the rates you’re applying for to ensure you’re securing the best term life insurance rates available on the market.

When we schedule the exam, we’ll send you an e-signature link (for most carriers) for your signature.  Often times, there’s no paperwork involved.

The Last Step
After you apply for a term plan or over the phone, the last thing you need to do is take the free medical exam.  This is scheduled at your home and involves a blood and urine sample.  It takes 20-30 minutes.  Once that’s completed, it’s up to us to get you approved at the life insurance rates you applied for.  The process takes on average 4-8 weeks.

We should note that there are no medical exam life insurance policies available.  We can quote these for you over the phone only.  However, they are more expensive and you need to be in good health to qualify.

Securing the best term life insurance rates has never been easier!  We look forward to earning your trust.

The best form of thanks you can give is a personal referral.