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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.

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.


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When purchasing life insurance, we always want to choose the coverage amount that will be most useful to our family and loved ones in the future. When we wish to begin the application process for any type of life insurance, however, there are various factors to consider.

At My Term Life Guy, we assist each individual or family in determining the best plan for their needs. We understand that, in many circumstances, a person’s health status might be a barrier to getting traditional life insurance at a reasonable price. In order to receive a plan that offers good coverage, most life insurance companies require a medical exam. The truth is that undergoing a physical exam may be counterproductive if you are looking for a cost-effective plan with enough coverage in the future.

Even if one’s current health is strong, one’s lifestyle or previous illnesses can have an impact on future final expense insurance. If you are not a regular exerciser, a smoker, or have had a significant illness, it is conceivable that the life insurance company may not offer you the plan that you desire. If you also try to hire a policy that offers a lot of coverage while also not having a good medical history, the cost may end up being too high.

Although obtaining life insurance without a physical exam can be pricey, at My Term Life Guy, we will do everything we can to find the best insurer offer for you. The best part about working with us is that we will strive to put ourselves in your place in order to propose the best solution for you, whether it is term life insurance or guaranteed issue life insurance. Furthermore, you will not be required to pay anything to begin the application process, allowing you to compare quotes from several types of life insurance to determine which one is best for you.

You can obtain a quotation by filling out our online form. Please do not hesitate to contact one of our insurance agents if you have any questions!