Coverage that fits your life, and your budget.
SimplyTerm® Life insurance that's quick, painless, and affordable.
Get a quoteProtection your family deserves, a price you can afford.
- It takes just minutes now to protect your family's future. SimplyTerm can help replace your income and pay for their everyday essentials – from mortgage or rent.. to credit card payments and more.
- See how easy and affordable life insurance can be – with no medical exam. Simply answer a few brief questions. With an instant approval decision, you can go from a quote you like to get the coverage you need1 – right here, right now.
More reasons to choose SimplyTerm.
Affordable rates.
Lock-in your low rate for the life of your coverage.1 $100,000 coverage can cost as little as $10 a month.2 Get your quote to see for yourself.
The flexibility to make it your own.
You choose the coverage amount, from $25,000 to one million, and how long you have the coverage, from 5 to 20 years.
No exams or bloodwork.1
There’s no need to get a medical exam or see your doctor. Just answer the health questions as part of the application and you’re all set.
You’ll get an answer in minutes.
No weeks of waiting for an approval letter. Apply for coverage online and you’ll find out if you’re approved right then and there.
SimplyTerm. Real protection. Real Simple.
Get a quoteFrequently Asked Questions
Term life insurance provides death benefit protection for a limited number of years, from 5 to 20 years.
How much coverage you need is a personal decision. However, you should think about how much coverage your family may need should the unexpected happen, as well as how much you can afford to pay for coverage.
The cost of policy depends on many factors. First, get a quote, which will give you an idea of what coverage will cost. If you like the quote, you can complete an application and, in most cases, get an instant approval decision. After that, you’ll receive an offer with the exact price of the coverage, which you are free to accept or reject.
Your coverage will start immediately after you accept our offer and make your first premium payment.
No medical exams means that you won’t have to undergo a medical exam or provide blood or urine samples to qualify for coverage.
Instead, we use the information provided on your application and records obtained from sources that include, but are not limited to: your primary care physician, the Medical Information Bureau, prescription history records, medical billing records, and the division of motor vehicles in your state.
SimplyTerm.
It’s life insurance made easy.
Footnote
1 Issuance of the policy will depend upon answers to health question set forth in the application and third-party data. The issuing company may have the right to contest the policy for misrepresentation. Please refer to policy for additional details. Coverage depends on premium payments. The vast majority of applicants are expected to receive instant decisions. For those not immediately approved, we may request third-party data and additional information from the applicant. Once we receive the additional information, the applicant will receive an answer within two days.
2 Based on $9.52 for a male and $6.83 for a female, age 30, non-tobacco, excellent health for $100,000 coverage amount and a 5-year term. The availability of coverage and rates will vary based on company underwriting criteria including, but not limited to, age, sex, health history, smoking status, and residency.
SimplyTerm is issued by Pruco Life Insurance Company, a Prudential Financial company located in Newark, NJ. The policy form number is ICC23-SIMPLT or SIMPLT-2024. Product is not available in all states.
• Not FDIC insured
• Not insured by any federal government agency
• Not a deposit or other obligation of, or guaranteed by, any bank or its affiliates
• Subject to investment risks, including possible loss of the principal amount invested
For Compliance Use Only: 1084908
For Compliance Use Only: 1084908-00001-00