FAQ
Here are some of the questions we get most often about QuickTerm and our process.
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"What is term life insurance?"
Term life insurance provides coverage for a set period — usually 10, 20, or 30 years. If something happens to you during that term, your loved ones receive a payout (called a death benefit) to help cover expenses and protect their future.
"Who needs life insurance?"
Life insurance is important for anyone who has people depending on their income — like young families, homeowners, or business owners. It’s also valuable for anyone who wants to leave a financial legacy or cover final expenses so loved ones aren’t burdened later on.
"Why should I buy life insurance online?"
Buying online is fast, convenient, and transparent. With QuickTerm, you can compare rates, apply, and get covered — all from your phone or computer, without scheduling meetings or dealing with piles of paperwork.
"Do I need a medical exam?"
Most applicants don’t! Many of our carriers offer instant-issue policies that use your application answers and data checks to make a decision — no needles or doctor visits required.
"How long does the process take?"
From quote to coverage, it can take as little as 10–15 minutes. Once you’re approved, your policy starts immediately, and your documents are sent straight to your inbox.
"Can I choose how much coverage I want?"
Yes — you can select a coverage amount and term length that fit your needs and budget. Our online quote tool helps you see what options work best for your goals.