Term Life Insurance Quotes

Simply click on the "Green Key" Insurance image and you can privately run quotes for Term Life Insurance.  We are not notified of your quotes or contacted unless you request it.

We are personally here when you ask for help or wish to apply.  Simply click on the request application link in the quote tool to let us know you want to apply and we will contact you or you can always call us directly.

For those only needing life insurance for about 7 years or less, be sure to compare the cumulative cost of a one year annual renewable term against your group rates or even a 10 year term.  

Many Pilots we work with look to us for coverage until age 65 and some carriers do offer a "to age 65" term duration and we can provide those quote comparisons upon request. 

Trying to figure out if you are "Preferred Plus", "Preferred", "Standard" or even rated can be challenging.  By using the health analyzer, included in our quote tool, you can get a pretty good idea of where you should end up after the underwriting process is complete. If in doubt, we can help you with a short phone call and email you personalized quotes with the top carriers.

In today's world there are many forms of nicotine.  So, Non Smoker versus Smoker is really an out of date way to classify risks. To keep it simple, if you have used a nicotine based product in the last 12 months you will be considered a Smoker with most carriers.  But there are exceptions, please contact us for personal assistance if you have used any type of nicotine other than a cigarette in the last 12 months as you may qualify for better than "Smoker" rates.  We know each carrier's underwriting rules and will find the best for you. 

The carriers we quote for you do not charge a higher premium for commercial aviation and they do not exclude commercial aviation from your life insurance coverage.  If you fly GA or Military, please contact us so that we may find the best available rates for you without excluding coverage for those activities. 

The answer is "it depends".  Based on your age and the face amount you wish to apply for we have carriers that do not use a current insurance exam and lab work to underwrite.  If you prefer to apply without an exam or lab work contact us for personal assistance.  You may be able to apply for up to $1,000,000 to $1,750,000 of life insurance without those extra steps.

Our quote tool is here so that you have a 24/7 resource at your finger tips, but we are available to you if you prefer personal assistance.  

A brief phone call with Bill @ 281-701-3134 and we can prepare and email you personalized rate comparisons based on your specific needs and or health.