Getting life insurance doesn’t have to be complicated. At TermHero, we’ve streamlined the process so you can go from "I need coverage" to "I’m protected" in as little as a few days. Here’s exactly how it works.
Our Simple 4-Step Process
Step 1: Get Your Free Quote
Tell us a few basics – your age, health, coverage needs, and budget. You can call us at (818) 222-1076, fill out our online form, or even get anonymous quotes without sharing personal information.
Step 2: We Shop the Market
Unlike a single insurance company, TermHero compares rates from 30+ top-rated carriers. We find the companies that will rate you most favorably based on your unique health profile, age, and lifestyle.
Step 3: Compare Your Options
We present your best options side by side – coverage amounts, term lengths, monthly costs, and carrier ratings. We explain the differences in plain English so you can make a confident decision.
Step 4: Apply & Get Covered
When you’re ready, we handle the application process. Apply online or by phone. Many policies are approved within days, and some no-exam policies are approved in as little as 24 hours. Your family is protected from the moment coverage begins.
What You’ll Need
To get an accurate quote, we’ll ask about:
- Your age and gender – The biggest factors in pricing
- Health history – General health, medications, major conditions
- Tobacco use – Smoking status significantly impacts rates
- Coverage amount – How much protection your family needs
- Term length – How many years you want coverage
Don’t worry if you’re unsure about coverage amounts or term lengths – that’s exactly what our agents help you figure out.
Common Questions About the Process
How long does it take to get covered? Many clients go from first contact to approved policy in 1-2 weeks. No-exam policies can be approved in as little as 24 hours.
Is there really no cost for a quote? Absolutely. Quotes are always free, and there’s never any obligation to buy.
Do I need a medical exam? Not necessarily. We offer both traditional (exam-based) and no-exam options. Exam-based policies typically offer the lowest rates.
What if I have health issues? Many people with health conditions still qualify for affordable coverage. Different carriers assess health risks differently – that’s why shopping the market matters.
Ready to Get Started?
The process starts with a simple conversation. No pressure, no obligation – just honest answers to your questions.