Step 1 of 8

Let's start simple. What's your gender?

Insurers price coverage by sex at birth.

How much coverage would you like?

You can change this later. Most families choose $500K–$1M.

$1,000,000
$100K$5M

How many years of coverage?

Your price is locked for the whole term.

Rates and products vary a little by state.

Have you used tobacco or nicotine in the last 12 months?

Includes cigarettes, vaping, cigars, chew, patches and gum.

What's your date of birth?

Insurers use your exact age to price coverage.

What's your height and weight?

A close estimate is fine.

How would you describe your health?

Last question! Be honest. An agent will confirm the details.

Estimating your prices…

Based on your age, health, coverage and term.

Estimated monthly rates

Estimates for illustration. Your licensed agent confirms your exact rate before you apply.

More estimates

    Prefer to talk it through?

    A licensed Termco agent can check which insurer is most likely to approve you and confirm your actual rate.

    Call 425-414-8900

    These are illustrative estimates from Termco, based on your answers and typical pricing for A-rated insurers. They are not quotes from a specific insurer. Your actual rate depends on the insurer you choose and its underwriting. Not an offer of insurance.

    Lock in this rate

    Tell us where to reach you. Next, pick a time for a quick call with a licensed agent to confirm it.

    We never sell your information.

    Got it! Now pick a time to confirm your exact rate

    A 15-minute call with a licensed agent. We'll check your health details and which insurer is most likely to approve you.

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    I'll book later

    Jump-start your application

    Optional. About 5 minutes. Your agent will review everything with you, and nothing is submitted to an insurer yet.

    1. Beneficiaries
    2. About you
    3. Work
    4. Finances
    5. Medical
    Who should receive the benefit?
    About you
    Work and income
    Finances
    Medical
    Finish later

    You're all set

    Your agent has everything needed for your call. Questions before then? Call or text 425-414-8900.

    Back to Termco

    Compare rates from top-rated carriers

    • Penn Mutual

    Termco is a team of licensed life insurance agents led by Gil G Edwards, RICP®, Founder & CEO. Serving families since 1994.