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(800) 963-6405

 * About Us
 * |
 * Education
   * Term Life
   * Universal Life
   * Life Insurance Calculator
   * Sell Your Policy
   * Terms Glossary
   * FAQ
   * Resources
 * |
 * The Basics
   * Why do I need life insurance?
   * Benefits
   * How much do I need?
   * Types of life policies
 * |
 * Blog

Home
Education
Term Life Universal Life Life Insurance Calculator Terms Glossary FAQ Resources
The Basics
Why do I need life insurance? Benefits How much do I need? Types of life
policies
Blog
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THE BEST RATES FROM THE TOP RATED COMPANIES





Why You Need Life Insurance








Why You Need
Life Insurance



You need life insurance when you have somebody or something that depends on you
for financial security; family or business. Don't leave those behind in
financial duress. Start the process of securing protection for your family
today.





How Much Life
Insurance You Need



Your life insurance coverage amount will be based on your liabilities,
responsibilities, and assets. Conduct a thorough "Needs Analysis" to determine
your specific amount and learn where your protection gap is.





What Policy Duration
Is Best for You



The duration of your life insurance coverage will be determined by the length of
your liabilities; i.e. mortgage or the age of your children. Proceed to a "Needs
Analysis" to learn what is available to satisfy that protection need.





What Type of Life
Insurance Do You Need



The type of life insurance you choose will be driven by the length of your need,
current stage in life, and budget. Learn the difference between Term Insurance
and Whole Life policies. Get started on securing the correct life insurance
product.

Learn More

Learn More

Learn More

Learn More



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$70+ Billion in Coverage Sold Since 1997

Our customers rate us as excellent






Why IntelliQuote® for Your Life Insurance Quotes

Over 20 Years Experience



IntelliQuote is a combination of an experienced team of licensed life insurance
agents and a comparison engine that searches hundreds of policies across the top
life insurance carriers.

Our experienced agents will help you find the right policy for your needs at the
best rate.

Speak with one of our licensed agents now: (800) 963-6405

Do you have a policy that you need to sell?  Use our Life Settlement Calculator
to find out how much your policy may be worth. 

Sell Your Policy >>>>






Popular Life Insurance Tips



IntelliQuote Term Life Insurance

Term life insurance is a simple and affordable way to provide financial
protection for your family. If you're concerned that your loved ones would
struggle financially if you were to pass away unexpectedly, finding a term life
insurance policy is an important step in providing for their future. By
connecting you with quality life insurance coverage, IntelliQuote can give you
the peace of mind in knowing that your family will be provided for. Our
insurance marketplace can help you find the right plan to protect your loved
ones.

Compare Term Life Insurance Quotes from Top Insurers

IntelliQuote is a licensed insurance agency and online insurance marketplace
that has been helping people find the perfect life insurance plan for the past
20 years. We partner with the best rated insurers to get you term life insurance
quotes for plans that offer the coverage you need to plan for your family's
future. Our intelligent quoting system provides a quick and easy way to compare
term life insurance quotes online, helping you save time and money. In addition
to term plans our free quote service can help you compare quotes for whole,
universal, and final expense plans.

The Convenient Way to Shop for Life Insurance

The IntelliQuote platform means that you no longer need to visit an insurance
agent's office to find the right coverage. Using IntelliQuote lets you browse
personalized plan quotes in the comfort of your home at a convenient time for
you. Comparing plans online is the easy and smart way to find coverage that fits
your needs.



Save on Life Insurance Costs

One of the many benefits of comparing plans online is that it helps you save on
coverage costs. IntelliQuote will provide you with quotes from a number of high
quality insurers so you can find the best term life insurance rates and coverage
for your budget.

Advice When You Need It

We understand that life insurance options can be confusing and sometimes you
need to speak to an expert to help you determine what coverage you really need.
We have a team of licensed insurance agents who are available to provide
personalized quotes, answer questions, and provide the guidance you need to make
a confident choice about your life insurance coverage.

RECENT BLOG POSTS





 * 6 things to know about buying insurance
   
   
 * What 20-somethings need to know
   
   
 * Will benefits from your insurance be taxed?
   
   

More Blog Posts






Compare Rates on Life Insurance

Find the Best Value



Get quotes from top rated carriers like Mutual of Omaha, Transamerica, John
Hancock, Prudential, AIG, Pacific Life and more.



Get Your Free Quotes Now
It Takes Less Than 3 Minutes


Call (800) 963-6405


or


Start My Quote >



Apply Now >



Experienced licensed life insurance agents to help you get the right policy at
the best value.





No need to shop anywhere else. Insurance premiums are the same no matter where
you shop - including direct from the carrier.













Speak with a Licensed Agent

(800) 963-6405

ABOUT INTELLIQUOTE


We feel it is important for you to make smart choices when buying life
insurance. We recognize you are looking to make the best decisions for you and
your family - quickly and easily. Learn more about who we are as a life
insurance agency and how our life insurance agents are qualified to help.

EDUCATION


Term Life

Universal Life

Life Insurance Calculator

Terms Glossary

FAQ

THE BASICS


Why do I need life insurance?

Benefits

How much do I need?

Types of life policies

       

About us   |   Education   |   The Basics   |   Blog   |   Contact Us   |  
Careers   |   Privacy Policy   |   Terms of Use

IntelliQuote © 2019 All Rights Reserved

MUTUAL OF OMAHA (RATED A+ SUPERIOR WITH AM BEST)



 * Est. 1926
 * Headquartered in Omaha, NE
 * $35 Billion in Assets



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TRANSAMERICA (RATED A+ SUPERIOR WITH AM BEST)



 * Est. 1906 Headquartered in Los Angeles, CA
 * Over $125 Billion in Assets
 * Over $1 Trillion of Life Insurance inforce



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LEGAL & GENERAL (RATED A+ SUPERIOR WITH AM BEST)



 * Est. 1836 US Headquarters Rockville, MD
 * Over $400 Billion in Assets



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VOYA FINANCIAL (RATED A, EXCELLENT WITH AM BEST)



 * Headquartered in New York City
 * Over $500 billion in Assets
 * 13 million clients in the US



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PRUDENTIAL (RATED A+ SUPERIOR WITH AM BEST)



 * Est. 1875
 * Headquartered in Newark, NJ
 * $1.3 Trillion in World Wide Assets



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AIG AMERICAN GENERAL (RATED A, EXCELLENT AM BEST)



 * Est. 1919
 * 12 million customers served
 * $575 Billion in Assets



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LINCOLN FINANCIAL (RATED A+ SUPERIOR WITH AM BEST)



 * Est.1905
 * Headquartered in Philadelphia, PA
 * $225 billion in Assets



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FIDELITY LIFE (RATED A- EXCELLENT AM BEST)



 * Est. 1896 Headquartered in Chicago, IL
 * $25 Billion of Life Insurance inforce
 * No Medical Exam



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PROTECTIVE LIFE (RATED A+ SUPERIOR WITH AM BEST)



 * Est. 1907 Headquartered in Birmingham, AL
 * $68 Billion in Assets
 * Over $760 Billion of Life Insurance Inforce



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SBLI SAVINGS BANK LIFE INSURANCE (RATED A EXCELLENT AM BEST)



 * Founded in 1907 by future Supreme Court Justice Louis Brandeis
 * Headquartered in Woburn, MA
 * Over 1-Million policies in force



Compare Custom Quotes

JOHN HANCOCK (RATED A+ SUPERIOR AM BEST)



 * Headquartered in Boston, MA
 * Founded in 1862
 * Over $2.3 Billion in claims paid annually



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PACIFIC LIFE (RATED A+ SUPERIOR AM BEST)



 * Headquartered in Newport Beach, CA
 * Founded in 1868



Compare Custom Quotes



Gathering custom quotes for your health and coverage preferences ...




×

Coverage Amount:

Term life insurance has a guaranteed level premium that expires in a set number
of years and provides a death benefit for your dependents when you pass away.
Your dependents receive the benefit if you die, as long as the policy is in
effect.

Your dependents will not receive the benefits if the policy lapses, or you die
after it expires.

The Term Length is also the guaranteed level premium period, meaning you pay the
same annual cost for the policy during that term. At the end of the Term Length,
you may continue to pay premiums to keep your policy coverage, but these
premiums may be significantly higher than the guaranteed level premium during
the Term Length period.

Contact us with any questions and for additional assistance in purchasing
insurance coverage.

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Term Length:

As a rule of thumb, a quick estimate for life insurance needs might be 7 to 10
times your annual income.

However, we recommend that you do a more diligent assessment of your needs using
our life insurance needs calculator. Our online term life calculator helps you
think through your coverage needs. It is set up to ask you the right questions
and help you identify existing debts, current living costs, and future expenses
that you should provide coverage for. It’s quick and easy to use our insurance
calculator.

Life Insurance Needs Calculator

To get a more accurate quote through our life insurance premium quoter you need
to know your exact coverage needs. Without calculating your coverage
requirements, it can be easy to either under or over estimate the amount of
money your loved ones will need to be financially secure in your absence. To get
an accurate number using our life insurance needs calculator, you’ll need to
consider the following costs:

 * Existing Debts (Mortgages and other debts)
   
   If you have large credit card balances, a mortgage on your family home, a car
   loan, or any other debts that would be passed over to you family or impact
   their lives, you need to include it in your calculations and if you wish to
   leave enough money to cover these costs.

 * Living Costs (Replacement income to address your family's ongoing needs)
   
   Life insurance is a great way to cover your family’s living costs for a
   number of years. This is especially important if you are the main income
   provider or a stay-at-home parent. Term life insurance is the perfect way to
   replace your income, provide for childcare costs, and cover any additional
   day-to-day expenses.

 * Future Expenses (College for your children, weddings, etc.)
   
   One of the many uses of life insurance is providing for your loved ones’ long
   term future. Many people use life insurance to ensure their family's dreams
   are financially fulfilled. For example, if you have children and would like
   them to attend college, you could leave a lump sum to cover their college
   education costs. Other examples include home down payments, wedding funds,
   and legacy amounts.

 * End of Life Bills
   
   Many people are surprised to learn just how expensive funeral costs can be.
   In fact, the average funeral can easily exceed $10,000. Providing a lump sum
   to pay for these costs can save your family from having to find the money to
   pay for these bills.

Our online life insurance calculator will work through these expenses with you
and calculate the right amount of coverage you will need to protect your family
financially should you pass away unexpectedly.

Life Insurance Quotes For The Coverage You Need

It takes just a few minutes to use our online life insurance calculator. Once
you’ve calculated your coverage needs, our online quote form will present the
best value options for your specific needs. It can find you life insurance
quotes from the highest rated life insurers in the country. We’re here to help
you make a smart insurance choice. Start your life insurance search by using our
life insurance quote calculator, today.

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Simply Answer 4 Questions to Determine Your Health Class

Based on your answers to these questions, we will determine the proper
underwriting class. Your final rates may vary based on additional information
gathered during the underwriting process.

Are you presently taking medication for blood pressure, or does your blood
pressure exceed 135/80?


Yes
No
Unknown



Are you presently taking medication for cholesterol, or does your cholesterol
exceed 210?


Yes
No
Unknown



Have any of your parents or siblings been diagnosed with or died from cancer or
heart disease before age 61?


Yes
No
Unknown



Have you ever received medical advice or treatment for any of the following
conditions:


 * Alcoholism
 * Anxiety
 * Asthma
 * Cancer (not basal cell)
 * Depression
 * Diabetes
 * Drug Abuse
 * Epilepsy

 * Heart disease
 * Hepatitis
 * Kidney/Liver disorder
 * Multiple Sclerosis
 * Ulcerative Colitis or Ileitis
 * Vascular Disease
 * Sleep Apnea
 * Stroke
 * Or other serious medical condition

Yes
No
Unknown


Calculate my health class

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A.M. BEST FINANCIAL RATING

A.M. Best is an independent rating agency that focuses on rating insurance and
financial companies with regard to their credit quality and ability to pay
future claims made by policy holders. A.M. Best has been rating since 1899 and
the SEC (Securities and Exchange Commission) and the NAIC (National Association
of Insurance Commissioners) have determined that A.M. Best is a recognized
statistical organization.

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Primary Phone Number:

We ask for a phone number so our agents can get in touch and complete your life
insurance application.

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Secondary Phone Number:

We will only use your secondary number if you are unable to be reached at your
primary phone number.

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