Get an Instant Term Life Insurance Quote Now!

life insurance for individual and business

Instead of waiting 3 to 4 months to find out if you actually qualify for the life insurance you want, now you can get immediate 3 months coverage of $100,000 to $1,000,000. Choose either 10-year or 20-year term life insurance with level premiums.

Applying online is easy. Just take these 3 easy steps toward immediate term life coverage.

  1. Get a Quote - Get an Instant Term Life Insurance Quote Here
  2. Complete the Application - 20 to 25 minutes to answer the questions and determine your best policy options.
  3. Secure - your full-term coverage tailored to your financial and other personal needs.
Instant Term Advantages
  1. Instant Coverage
    Just apply now, and if you qualify, you're covered immediately. After all, you shouldn't have to wait for coverage your family needs today.
  2. Excellent Rates
    Our Term life insurance is priced for internet delivery. Instant Term has reduced administrative costs, so you pay lower premiums.
  3. Easy to Apply
    Complete a brief on-line interview to determine your insurability. You'll be issued an on-line quote for three months of coverage. Once you accept, pick a time for a brief visit by a medical technician. Provide payment and sign the on-line application. The policy will be delivered to you on-line. It's that easy.
  4. Trusted Partner *
    Founded in 1955, American Life Insurance Company of New York is a fully licensed, 50-state insurance carrier.
Term life insurance is issued by The American Life Insurance Company of New York, home office New York, New York, a company not affiliated with BenefitHouse Insurance Services. The product is an obligation of the insurance company and is not a deposit, not FDIC insured, not insured by any government agency and is not guaranteed by BenefitHouse. Life insurance policies contain exclusions and limitations; benefits may vary due to misstatement of age or sex. Policy is issued as form
1-350 21-184. Policy may not be available in all states.
Instant Term Product Summary
Term Life Insurance
    Electronically-enabled paperless product. Get immediate issue of 3-months of term life coverage online. Full-term 10- or 20-year coverage following underwriting validation. Guaranteed level premium.
Issued By
    Issued by American Life Insurance Company of New York.
Duration
    Ten (10) and twenty (20) year
Issue Ages
    10 Year Term: Ages 18-60
20 Year Term: Ages 18-58 (except New York, which is ages 18-50).
Face Amounts
    $100,000 - $1,000,000
Rate Guarantee
    Rate is guaranteed for initial 3 months; full-term coverage rate will be guaranteed following underwriting validation.
Renewability
    Renewable to age 80.
Re-entry Provision
    10 Year Term: Expires at age 60.
20 Year Term: Expires at age 58.
Convertion Option
    May be converted to any plan of whole life insurance offered by the Company at the date of conversion. Convertibility expires at age 70.
Underwriting Classes
    Super Preferred Non-Tobacco, Preferred Non-Tobacco, Preferred Tobacco User, Standard Non-Tobacco and Standard Tobacco User.
Payment Modes
    Visa, MasterCard, American Express, Discover, Electronic Funds Transfer (EFT).
Payment Frequency
    Annual, semi-annual, quarterly, monthly. (frequencies other than annual have modal adjustments).
Owner
    Must be the insured (once the policy is in force, ownership changes may be made).
Beneficiary
    Spouse or immediate family member; grandparent, niece, nephew, trust or estate.
Instant Term and/or all features may not be available in all states.
Benefits offered may vary due to misstatement of age or sex.