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Free Online Quotes
Insurance made easy
Free Online Quotes

ONLINE TERM LIFE INSURANCE QUOTE

Insurance Made Easy

From quote to coverage, everything happens online – easy, fast and on your schedule.1
Free Online Quotes

What Is an Online Term Life Insurance Policy?

Online term life insurance provides a fully digital experience, from application to approval. It’s designed for convenience, offering faster decisions and flexible coverage options for those who prefer to manage their insurance online. Key benefits include:

Convenient Application

Apply entirely online, often with instant or same-day decisions

Simple To Apply

Streamlined digital process with health questions, sometimes without a medical exam

Fixed Premiums

Premiums stay the same throughout your chosen term, providing budget-friendly predictability

Dependable Protection

Offers a guaranteed death benefit if you pass away during the policy term
Couple researching online term life insurance on laptop

How an Online Term Life Insurance Policy Works

Online term life insurance gives you a streamlined, digital-first way to get coverage. The application is completed online, often with faster decisions, making it convenient for those who want coverage without face-to-face meetings.

  1. Apply Online: Complete your application digitally, usually with health questions and sometimes without a medical exam.
  2. Choose Your Policy: Select the coverage amount and term length offered online (often 10, 20, or 30 years).
  3. Get a Quick Decision: Many insurers provide instant or same-day approval.
  4. Pay Premiums: Premiums stay the same throughout your chosen term.
  5. Coverage Remains in Place: Your policy stays active as long as premiums are paid, providing a guaranteed death benefit.
  6. Future Options: Some online policies may allow conversion to permanent coverage, depending on the insurer.
  7. Guaranteed Death Benefit: If you pass away during the term, your beneficiaries receive the policy’s death benefit, generally income-tax-free.

Want a deeper dive? Read our full guide:  Direct Term Life Insurance Explained

Why Choose Western & Southern?

95 Comdex Ranking

Financial Strength

High ratings reflect stability you can count on
established 1888

Trusted for Over 135 Years

Helping families protect their future since 1888

Serving Millions Nationwide

Trusted by families across the 50 states

Is Online Term Life Insurance Right for You?

Online term life insurance provides a fully digital experience, from application to approval, often with faster decisions. It’s best for people who value convenience, technology, and simplicity.
Young man purchasing term life on his phone

Digital Natives

People who are comfortable applying online and want a fast, convenient process.
Couple enjoying their travels

Quick Decision Makers

Those who want coverage approved the same day or within a few days.
Young man working on his household budget

Budget-Conscious Shoppers

Families who prefer comparing options online to find coverage that fits their needs.
Mother relaxing on the couch with her two daughters

Simplifiers

Individuals who want a straightforward process without extensive paperwork or agent meetings.

Online term is ideal for those who want modern, convenient coverage that fits seamlessly into a digital lifestyle.

Not sure if online term life is right for you? Explore all types of Term Life Insurance.

Frequently Asked Questions About Online Term Life Insurance

How do I get an instant online term life insurance quote?
Simply provide basic details like age, health, coverage amount, and term length. In minutes, you’ll see an estimate and can adjust options to find the right fit before starting your application. 

What coverage amount is best for an online term life insurance policy?
Many experts suggest 10-15 times your annual income. Be sure to also factor in your mortgage, debts, future expenses like college, and daily living costs for your family. 

How do I choose the best online term life insurance provider?
Not all companies are the same. Compare pricing, customer service, financial strength ratings, and available riders. Choosing a trusted insurer ensures your policy will deliver when it matters most. 

Can I buy online term life insurance without a medical exam?
Often yes. Some applicants qualify with only health questions and electronic records. Others may need an exam to confirm eligibility, depending on age, coverage, and health history. 

How fast is the online application process?
Most online term life applications take 10-20 minutes. Having your doctor details, prescriptions, and driver’s license ready makes it even faster. 

Will my online term life insurance premiums stay the same?
Yes, level term premiums are fixed for the duration of your chosen term (10, 20, or 30 years). After the term ends, premiums may increase if you renew. 

Can I apply for online term life insurance if I have health issues?
Yes. Be honest in your application. You may still qualify, though rates could be higher. A quote helps you see your options upfront. 

How does the death benefit work with an online term life insurance policy?
If you pass away during the term, your beneficiaries receive the death benefit, usually tax-free. They can use it for daily living expenses, debts, or long-term goals like education. 
IMPORTANT DISCLOSURES

1 Direct Term Life Insurance from Fabric by Gerber Life, a member of the Western & Southern Financial Group Family of Companies. https://www.westernsouthern.com/about/family-of-companies.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.