Affordable term life coverage, made simple.
Answer a few quick questions to see your estimated options — no exam, no obligation.
How old are you?
Age is the #1 factor in your rate — the younger you lock it in, the cheaper it stays for decades.
A-rated carriers only
Policies backed by carriers rated "A" or better for financial strength.
Simple online process
Most applicants finish entirely online. No agent visits, no waiting weeks.
Flexible coverage amounts
Enough to clear the mortgage, fund college, and replace your income.
How much would your family need?
Most families choose enough to cover their mortgage and replace their income for years.
How soon do you want your family protected?
This helps us prioritize your application.
What's your ZIP code?
We'll check carrier availability where you live — rates vary by state.
What's your name?
Licensed carriers require a legal name to prepare a real quote.
Last step, friend — how can we reach you?
A licensed provider may follow up by email or text to help you finish your application.
🔒 Your information is encrypted and secure.
Thanks, friend — you’re all set.
Based on your answers, you can finish online right now with our partner Ethos.
Finish your application online with Ethos.
- 100% online application — from any device
- Just a few health questions — many applicants skip the medical exam
- Free to see your options — no obligation at any point
Taking you to Ethos automatically…
Term Life Direct is an independent insurance marketing service, not an insurer, and does not provide quotes or bind coverage. Ethos is a separate company; any application is subject to its own terms and underwriting. We may be compensated if you apply through partner links. Not available in all states.
Thanks — we’ve got your info, friend.
New York has its own carrier rules, so a licensed specialist will prepare your options personally and be in touch soon.
Term Life Direct is an independent insurance marketing service. Not available in all states.