Term life coverage starting at a few dollars a day. Adjust the calculator to see an estimated rate instantly — no medical exam required for most applicants.
Hearthstone is a licensed insurance marketplace, not the underwriter. Policies are issued by participating carrier partners; final rates depend on age, health, and underwriting review, and may differ from this estimate.
Adjust the details below
This is an estimate. Your final rate is confirmed after a brief application.
Illustrative monthly estimates for a healthy, non-smoking applicant. Your actual rate depends on age, health, and the carrier.
| Coverage | Age 30 | Age 40 | Age 50 |
|---|---|---|---|
| $250,000 / 20-year term | $14/mo | $22/mo | $48/mo |
| $500,000 / 20-year term | $22/mo | $38/mo | $86/mo |
| $1,000,000 / 20-year term | $38/mo | $68/mo | $162/mo |
Adjust coverage and answer a couple of health questions to get a live rate.
Most applicants finish in under ten minutes, from a phone or computer.
Many applicants are approved instantly; some carriers may request a brief follow-up.
"We'd been putting it off for two years. The whole thing took less time than ordering dinner."
Nadia F. — mother of two
"No medical exam was the deciding factor. I have a busy job and just needed it handled."
Chris O. — new homeowner
"My rate came in lower than I expected for my age. Glad I checked instead of assuming."
Renee M. — age 46
Many applicants qualify for coverage based on health questions alone. Some carriers may request a brief exam depending on age, coverage amount, or health history.
It's a starting estimate based on typical applicants. Your confirmed rate depends on your specific health profile and the underwriting carrier.
Most term policies allow you to adjust coverage or convert to a different policy type — your carrier's terms will outline exactly what's available.