Why call 10 different insurance companies when TermHero can do it for you in one conversation? As an independent agency, we’re not locked into selling any single company’s products. We compare rates from 30+ top-rated life insurance carriers and recommend the one that gives you the best coverage at the best price.

How We Shop the Market

1. You Tell Us What You Need

A quick conversation about your age, health, family situation, and coverage goals. Takes about 5 minutes.

2. We Compare Dozens of Carriers

We run your profile through our quoting system and identify the carriers that will rate you most favorably. Different companies price risk differently – someone who gets a "Standard" rate at one carrier might get "Preferred" at another.

3. We Present Your Best Options

You receive a side-by-side comparison of your top options. We explain the differences, answer your questions, and let you choose – no pressure.

Carriers We Work With

We partner with many of America’s most trusted life insurance companies, including:

  • Protective Life
  • Banner Life
  • Pacific Life
  • Principal Financial
  • Prudential
  • Mutual of Omaha
  • North American
  • Transamerica
  • Lincoln Financial
  • AIG
  • And many more

Each carrier has different strengths. Some offer the best rates for excellent health. Others specialize in approving applicants with diabetes, heart conditions, or tobacco use. Our job is to match you with the right one.

Why Shopping the Market Matters

The same person can receive wildly different rates from different carriers. A 40-year-old with controlled diabetes might see:

  • Carrier A: $85/month (rates diabetes harshly)
  • Carrier B: $52/month (specializes in diabetic applicants)
  • Carrier C: Declined (won’t insure diabetes)

Without an independent agent shopping the market, you might end up with Carrier A – or worse, Carrier C – and assume life insurance is either too expensive or unavailable. TermHero finds Carrier B for you.

Let Us Do the Shopping

One call to TermHero replaces hours of research and dozens of phone calls to individual companies.

Call (818) 222-1076 or get your free quote – we do the work, you get the savings.