Tools
What would your term coverage cost?
Term life is the most coverage per dollar for a defined window — 10, 15, 20, or 30 years. Premium depends on your age, build, tobacco use, and health history. This estimator shows the range applicants like you typically see.
Term life estimator
Answer five questions and see the range a healthy applicant in your bracket typically pays. Final pricing comes from carrier underwriting — we shop Guardian first and go wherever the client is best served.
Term length
How healthy do you consider yourself?
Tobacco or nicotine in the last 12 months?
Estimated premium
$119 – $175/ month
$1,429 – $2,102 per year for $1.0M over 15 years
Illustration only — not an offer of insurance, application, or bound quote. Actual premiums are set by the carrier after underwriting, medical history review, and any required exam. Coverage up to $5,000,000 may be available with no medical exam depending on the carrier and applicant.
Ready for a real number?
Every meeting is confidential and free. We place most coverage with Guardian, and shop other carriers whenever that fits the client better.