Term Life Quotes at Your Fingertips

By clicking on the Green "Life Insurance" image, you can use our site to run your own quotes for life insurance without becoming a "lead" for internet callers.  We are personally here when you ask for help or wish to apply for a policy.

Our life quoting tool provides you with truly "risk free" quotes, you don't even have to put in your name or email address and you have access to a 24/7 resource to research life insurance prices on your terms.  But that doesn't mean you have to go it alone, we are here for you too.

After just a brief consultation with one of us we can put our expertise to work for you and email you personalized rate comparisons. We have been doing this for over 20 years in the Houston, Bellaire and surrounding areas and can help you find the right plan with the right carrier based on your health, needs and budget.

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

Obviously, 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  So, Non Smoker versus Smoker is really an out of date way to classify risks.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 of any kind 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 much better than "Smoker" rates on your life insurance.  We know each of our carrier's underwriting rules and will find the best ones for you based on your specifics.   

The answer depends on your age and the amount of life insurance you wish to have.  Also, a carrier that requires and exam and lab work may charge a slightly lower premium than one that does not.  If you don't want to do an exam or lab work, contact us for personal assistance as you may be able to apply for up to $1,000,000 of term life without those extra steps.