$250,000 in coverage — often $15–20 a month*
Most people guess ten times too high. A few quick questions, then a licensed agent shows you what you'd actually pay.
*Illustrative example — a healthy 30-year-old, non-tobacco, 20-year term. Not a quote; actual rates vary.
The average guess is about 10x too high
LIMRA's 2025 industry research found adults 30 and under guess the cost of term life at ten to twelve times the real price — and that cost misconception is the most-cited reason younger buyers who want coverage never get it. Here's what it tends to actually look like.
Illustrative examples from published 2026 rate data for healthy, non-tobacco applicants on a 20-year term — not a quote or an offer of coverage. Your actual rate is determined during underwriting and varies by carrier, state, age, health, and coverage details.
Waiting is the expensive part
Rates are set by your age when you apply, then lock for the whole term. In the published examples above, a 40-year-old pays roughly double what a 30-year-old locks in for the identical policy — the same coverage simply costs less the earlier you take the three minutes.
How you get your real number
Answer a few questions
About three minutes. No paperwork, nothing to look up, no bank or card details.
Pick your own call time
A calendar comes up and you choose a slot that works. You're picking the time — nobody is assigning you one.
Joshua brings the numbers
About fifteen minutes on the phone. Joshua goes through your answers and walks you through the real monthly numbers for your age and coverage — then you decide on your own clock.
Fair questions
Why do you need my phone number?
Real rates depend on your age, health, state, and the coverage you pick — printing a number before knowing those would just be a guess. Instead, Joshua goes through them with you — about fifteen minutes on the phone — and gives you real figures, not a marketing estimate.
What is term life insurance, in plain English?
You pick a coverage amount and a number of years — say $250,000 for 20 years. If you pass away during that time, the people you name get that money, generally free of income tax. If you outlive the term, the coverage simply ends. It costs a fraction of permanent life insurance because it only covers the years your family actually depends on your income.
Do I need a medical exam?
Many applicants don't — plenty of carriers now decide from your health answers alone. Approval and your rate still depend on those answers, and Joshua will tell you up front which path fits your situation.
How much coverage do I actually need?
A common starting point is enough to replace your income for the years someone depends on it — many people land somewhere around ten times their annual income, adjusted for the mortgage and the kids' ages. "I'm not sure" is a completely normal quiz answer; that math is exactly what Joshua helps you do.
What does it cost to find out?
Nothing. There's no cost to see your options and no obligation to buy. Agents are paid by the carrier if you choose to take a policy.
Three minutes to stop guessing
Answer the questions, pick a time, and get the real numbers from Joshua, a licensed agent — not an online estimate. If it isn't what you hoped, you've lost three minutes and gained a fact.
See what I'd actually payThis website is not affiliated with, endorsed by, or sponsored by Facebook or Meta Platforms, Inc. Facebook is a registered trademark of Meta Platforms, Inc. This is a private insurance marketing website and is not affiliated with, endorsed by, or sponsored by any government agency. Coverage is offered through licensed insurance carriers; products, availability, benefits, eligibility, premiums, and terms vary by state, carrier, age, health, and coverage details, and are subject to the terms of the actual policy issued. Rates shown are illustrative examples, not quotes or offers of coverage; your actual rate is determined during underwriting. "No medical exam" refers to plans that do not require one for many applicants; it does not guarantee approval, and issuance depends on the answers to the health questions on the application. Coverage is not guaranteed until your application is approved by the issuing carrier. Nothing on this page is a guarantee of coverage, price, or acceptance, and nothing here is medical, legal, or tax advice. This is a solicitation of insurance; coverage is offered through licensed insurance agents/producers. By submitting the form you agree to be contacted as described in the consent you provide.