Learn More and Save Now with Term Life Insurance.

At Vivaquote Insurance we understand you have a lot to consider when shopping free life insurance quotes online, or comparing insurance quotes from our other insurance companies. These handy resources will help you to learn the “in’s and out’s” of your life insurance options. We know that protecting your family is extremely important to you, so use this information and our free term life insurance quoting tool to help you plan and buy your life insurance today.

Convertable Term Insurance - An option that lets you convert your term life insurance policy into a permanent, or "whole life" insurance policy at any time regardless of your current health. This option is guaranteed issue, meaning there is no medical exam, but since permanent life insurance runs through age 105 in most cases, it is usually more expensive than term life insurance.
"Instant Issue," or "Non-Med" Term Life Insurance - lets you sign on for a new term policy without a medical exam, although the premium may be higher.
Level Term Insurance - lets you pay the same premium every year for the length of the term and be entitled to the same amount of proceeds if you die during the term. If you want to renew it at the end, your premium may rise significantly, since you'll be older.
Decreasing Term Insurance - pays a death benefit that gradually decreases in value over time. Premiums usually remain the same throughout the term.
Return of Premium (ROP) - option (that builds up like a small whole life policy). In most cases this can be added on as a "rider" to a term life insurance best rates policy providing that, in the event of the death of the insured within a specified period of time, the policy will pay, in addition to the face amount, an amount equal to the sum of all premiums paid to date.

Many people prefer term life insurance for their families with the security they need to cover short term expenses such as college education for children, mortgage payments, and etc. In addition many people find a term insurance best option to be when they require larger amounts of coverage at the most affordable rate- typically 100,000 and up.