How Do I Buy Term Life Insurance? 
To buy term life insurance , you must first determine how much you need , how long you want the term to last , and how much you have to spend . It can be helpful to shop websites that offer quotes right online , then talk to an agent to determine if you qualify for those rates . Agencies that carry a number of choices can find you the best prices for your age , build and health . If you are applying for a medically underwritten policy , the next step will be to apply , then take a free life insurance exam in your home , or other location of your choice . Once the underwriting process is complete , you will find out if you are approved , and your rate . If you are applying for a No Exam policy , you may be able to put it in place in as little as 24 hours . Most take longer . Term insurance is very straightforward and there is a lot of competition . With an ethical agent , you should have no trouble getting a policy that you like . 