Instant Life Insurance Quotes
The Honest Quote — everyone deserves coverage they can count on
Side-by-side rates from the country's top life insurance carriers, ranked from lowest to highest. No email required to see your numbers.
Your real rates will appear here
Fill in your details and we'll shop every carrier we're appointed with. No email required to see your numbers.
Talk to Jason or David
A 5-minute call. We'll confirm the rate, answer questions, and walk you through next steps. No pressure, no obligation.
How it works
How we get you covered
From quote to coverage in four straightforward steps.
Compare
See instant rate quotes from 30+ top-rated carriers — no commitment, no obligation.
Choose
We explain which carrier offers your best rate and underwriting fit, and why.
Apply
Jason or David walks you through the application personally — no call centers.
Covered
Most policies issued in 3 to 6 weeks. Some same-day for healthy applicants.
Why Term Insurance Brokers
We're the right brokers to set up your coverage
Four things that set us apart from the captive agents and InsurTech apps trying to sell you the same policy.
01
Truly independent
30+ carrier appointments, no captive contracts. We shop your case across the market to find your best fit — not the carrier we're locked into.
02
Specialists in difficult cases
Diabetes, AFib, hypertension, cancer history, mental health, sleep apnea. We place cases other brokers won't touch — that's our edge.
03
Real owners, not a call center
You speak with Jason or David Goldenzweig directly — the co-owners. No junior reps, no offshore call centers, no waiting weeks for a callback.
04
Built for the long haul
Insurance has been our family business since 1946. Three generations. Same family, same values, same name on the door — for 80 years and counting.
Life Insurance Products We Offer
We represent the full spectrum of life insurance products across the leading carriers in the market.
Term Life Insurance
10, 15, 20, 25, and 30-year term policies from top-rated carriers. The most affordable way to get a large death benefit during your highest-need years. We also place 35 and 40-year terms through Banner Life and Protective.
No-Exam Term Life
Exam-free coverage up to $3M–$5M for qualifying applicants through carriers like Pacific Life, Penn Mutual, Symetra SwiftTerm, and Banner Life. Decisions in as little as 18 minutes.
Whole Life Insurance
Permanent coverage with guaranteed cash value growth and dividend potential from MassMutual, Guardian, Penn Mutual, and other top mutual carriers. Ideal for estate planning, infinite banking, and legacy transfer.
Universal Life Insurance
Flexible premium permanent coverage including indexed universal life (IUL) for retirement income supplementation and guaranteed universal life (GUL) for cost-effective permanent death benefit protection.
High-Risk Life Insurance
We specialize in placing life insurance for applicants with diabetes, heart disease, cancer history, obesity, and other health conditions. We know which carriers underwrite your specific condition most favorably.
Business Life Insurance
Key person life insurance, buy-sell agreement funding, and executive benefit strategies. We work with business owners to structure the right coverage for their business succession and protection needs.
Important information about these quotes. The premiums shown are estimates for comparison purposes only, based on the information you entered and rate data provided by third-party sources. They are not an offer of insurance, a guarantee of coverage, or a guarantee of the final premium. Actual rates, eligibility, and your final risk class are determined solely by each insurance company after a complete application and full underwriting review, and may differ from the estimates shown.
Rates are subject to change and were current as of the date the quote was generated. Not all carriers, products, or riders are shown — comparisons reflect only carriers with which Term Insurance Brokers is appointed, and the carriers and products available to you may vary by state, age, health, and other factors. Product availability and features vary by state.
Term Insurance Brokers are licensed independent insurance brokers. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. This website is not affiliated with or endorsed by any government agency. By requesting a quote or contact, you consent to be contacted as described in our Privacy Policy.