Term life insurance
Protect the years your family depends on you most.
Cover the years your family would feel it most: the mortgage, the kids still at home, the income they count on. Compare real prices across more than 30 carriers and apply online.
- 30+
- carriers compared
- $0
- to compare and apply
- Minutes
- to a decision for most
Product availability, rates, and approval vary by state, carrier, and underwriting. Comparing options does not guarantee coverage.
Start with the need
Term life may fit when...
- You want protection for a specific period of time
- Your family relies on your income
- You want coverage for a mortgage or other major obligation
- You want to compare cost and coverage before applying
Need coverage designed to last your lifetime? Compare term with permanent life insurance before deciding.
Learn about whole lifeMost companies stop at “you’re covered.” Your policy belongs in your free Vault, and when the time comes MedaSynq can file the claim for your family.
How the Vault worksWhat it does
Temporary coverage for a real financial need
Coverage for a set term
Term policies provide protection for the period stated in the contract. Available term lengths depend on the carrier and your eligibility.
Built for income protection
The death benefit can help the people you choose manage housing, education, debts, and everyday expenses after a covered death.
Options you can compare
Review available carrier options and see how benefit amount, term length, and underwriting affect the policy you may qualify for.
From comparison to application
From your first answer to the carrier
Tell us the basics
Start with your state and a few details needed to show options available where you live.
Compare available quotes
Review the carriers and products returned for your information. A quote is an estimate, not an offer of coverage.
Apply for the option you choose
Continue through the carrier application. Health questions, records, or an exam may be required depending on the product and underwriting.
Common questions
Questions people ask before they apply
How long does term life insurance last?
It lasts for the term stated in the policy, provided required premiums are paid. Available term lengths and renewal provisions vary by carrier and product.
Will I need a medical exam?
It depends on the carrier, product, benefit amount, and your application. Some applicants may qualify without an exam, while others may need additional underwriting.
Is the quote my final premium?
Not necessarily. A quote is based on the information entered. The carrier determines the final premium and whether to offer coverage after underwriting.
What happens when the term ends?
Options vary by policy and may include renewal, conversion, or applying for new coverage. Review the policy terms and future premiums before buying.
Apply online
Price your term life cover, then apply online.
What happens after
The only coverage that comes with someone to file the claim
Billions in life insurance benefits go unclaimed, largely because families never find the paperwork. Buying the policy is the easy part. Being found, years later, by the people it was meant for is the part everyone else leaves to chance.
It lives in your Vault
Your free Vault keeps everything in one place: the policy itself, your beneficiaries, and the documents your family will be asked for.
We can file the claim
When the time comes, your family doesn't have to work out which carrier, which form, or which department. MedaSynq can file the claim for them.
A reduced fee for subscribers
Claim Assist costs nothing upfront and is only billed if the claim pays out, at a reduced service fee for Vault subscribers.
Licensed insurance agency
MedaSynq Insurance Services, NPN 22206860.
30+ carriers to compare
Including carriers rated A or better by AM Best.
A real person answers
Questions before you apply? Call (877) 346-6657.
AM Best financial strength ratings apply to individual insurance carriers, not to MedaSynq, and are shown where available during comparison.
See what you would actually pay.
Answer a few questions, see the prices real carriers offer someone with your answers, and apply only if the cost makes sense to you.
Compare Term Life and Apply OnlineOther coverage
Not sure term is the right shape?
Every option below can be started online, with the same one set of questions.