How to get a life insurance quote with the calculator

  • Step 1: Select amount of years – This will be the length of how long your policy will either be active or maintain the same price each year, also known as Level Term.
  • Step 2: Enter your coverage — Select how much coverage you would need.
  • Step 3: Select your state – this may have a slight impact on your rates.
  • Step 4: Enter your age – Rates increase 8-10% each year you put off buying.
  • Step 5: Enter your gender — Women generally tend to pay less than men for equivalent life insurance policies.
  • Step 6: Select smoking or non smoking — This affects rates based on your tobacco use.
  • Step 7: Choose health class — Selecting your own health classification may be different after undergoing through underwriting. Rates may vary.

Living benefits with term life insurance quotes

Are you ready to shop for life insurance? Whether you’re just getting started or ready to compare and buy a life insurance policy with living benefits, figuring out how much you need and what it’ll cost you will help ensure you’re making the right choice. Use our free calculator and download our free brochure to get more details.

Do you still have a life insurance policy that you do not benefit from?

If your term life insurance policy does not have any living benefits it’s time to crunch the numbers to save money and benefit from your policy.

Chronic Illness or Condition

The illness or condition does not need to be considered permanent, but must impair the insured where he or she are unable to perform at least two
Activities of Daily Living (ADLs);

  • Bathing
  • Dressing
  • Toileting
  • Transferring
  • Continence
  • Eating

Additional chronic illness coverage may be added to your policy by purchasing the Accelerated Access Solution® rider.

Critical Illness or Condition

  • Major Heart Attack
  • Coronary Artery Bypass
  • Stroke
  • Invasive Cancer
  • Blood Cancers: Leukemia,
    • Lymphoma, Multiple Myeloma
    • and Myelodysplastic Syndromes
  • Major Organ Transplant
  • End Stage Renal Failure
  • Paralysis
  • Coma
  • Severe Burn

Terminal Illness Condition

An illness or physical condition that is certified by a physician to be reasonably expected to result in the insured’s death within 24* months from the date of certification.