20-Year
Term Life Insurance Quotes
This is the one we recommend most. It covers the whole stretch where young kids and a mortgage overlap.
Get Term Life Insurance Quotes
Our RamseyTrusted® partner Zander Insurance shops term life insurance quotes from multiple companies—helping you find the right policy for your needs.
How to Get a Term Life Insurance Quote
No need to shop insurance companies all by yourself. Zander does all the legwork for you. Here’s how it works:
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Tell Zander the basics
Share some basic information about yourself (age, height, weight and tobacco use) and how much coverage you’re looking for.
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Compare real quotes
Zander runs your numbers and shops multiple insurance companies so you can compare coverage options in one place.
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Apply when you’re ready
Pick the policy that fits and apply. Depending on your age, health and coverage amount, you may not need a medical exam.
Why Zander Shops Multiple Carriers for You
If you go straight to an insurance company, you only get one price. If you work with an independent insurance broker like Zander Insurance, they’ll compare quotes from several top-rated carriers to find you the right policy at the right price.
They’ve been our RamseyTrusted term life insurance partner for over 25 years, and their agents get paid the same regardless of which company you go with. For them, it’s about helping you protect your family, not making the biggest commission.
What Impacts Your Term Life Quote
Two people of the same age can get very different quotes. Here’s what actually affects the number.
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Your age
The single biggest factor. The older you are, the more expensive it is.
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Coverage amount
We recommend 10–12x your annual income.
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Term length
The sweet spot for most families is 15 to 20 years.
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Health
Blood pressure, weight, and family history all factor in.
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Tobacco use
Nicotine can multiply your premium several times over.
Term Life Insurance Quotes by Term Length
How long you need coverage depends on how long your family depends on your income. Here’s how to think about each option.
30-Year
Term Life Insurance Quotes
This is worth a look if you started your family later or bought a house recently. Costs more per month.
15-Year
Term Life Insurance Quotes
This is a good fit if your kids are already in school and you’re on track to be self-insured before the insurance term ends.
What Does Term Life Insurance Cost?
Term life is more affordable than most people expect. Here’s a quick look at what you could pay.
| Age | $500,000 | $750,000 | $1,000,000 |
|---|---|---|---|
| 30s | $23 | $31 | $39.70 |
| 40s | $35 | $48 | $61.68 |
| 50s | $83 | $120 | $155.47 |
Sample rates for a healthy, male nonsmoker on a 20-year level term policy.
Want to go deeper? Check out a list of different term life rate charts by age.
Why We Only Recommend
Term Life
Whole life, universal life, and indexed universal life—they all try to combine life insurance with investing. The result? Usually an expensive, confusing product. We recommend keeping it simple. Buy term life to protect your family for a fraction of the cost, then invest the difference somewhere it can actually grow.
Term Life Insurance Quote FAQs
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How do I get a term life insurance quote?
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Getting a quote is easy. Share some basic information and the coverage you’re looking for, and Zander Insurance will shop multiple companies so you can compare your options. Once you find a policy that fits your needs, apply when you’re ready.
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What information do I need to get a quote?
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You’ll need to answer a few basic questions about yourself and the coverage you want. That may include things like your age, height and weight, health, tobacco use, coverage amount and term length.
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How long does it take to get a term life quote?
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Getting your term life insurance quotes through Zander takes about three minutes. Once you answer a few questions, you can compare your options and decide what works for you.
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Why do quotes differ between companies?
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Every insurance company looks at risk a little differently. Factors like age, health and tobacco use can affect rates, so the same person may get different quotes from different companies. That’s why Zander Insurance shops multiple companies, so you can compare options and find the one that fits your needs.
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Do I need a medical exam to get a quote?
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You don’t need a medical exam just to see your term life insurance quotes. If you decide to apply for a policy, whether you need an exam can depend on factors like your age, health, coverage amount and the insurance company you choose.
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How much coverage should I get a quote for?
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You need a life insurance policy worth 10–12 times your annual income. That way, your family can invest the payout and live off the returns. Use our free term life calculator to find out how much coverage you need. And if you’re a stay-at-home parent, you need coverage too. Use our free tool to see the financial impact of what you do and find a coverage amount that makes sense.
Ready to see your term life quotes?
Getting quotes from Zander is free, it only takes about three minutes, and no one’s going to talk you into whole life.