Qterm is dedicated to providing you with affordable term life insurance as quickly as possible. We represent a wide range of companies so we are able to find a company that meets your needs. By representing multiple companies, we can provide you with the lowest price possible for life insurance. With our online quoting system, you can run insurance quotes and apply online.

The companies we represent are rated A (excellent) to A+ (superior) by A. M. Best. Availability of companies and products varies by state.

Rated A++ (Superior) By A.M. Best
AIG American General companies have been protecting the hopes and dreams of American families for nearly a century. Although the company has retained its Houston base, today it bears little similarity to the simple operation that began with one man’s dream. With more than 4,000 employees and customer service centers across the country to serve our producers and customers, AIG American General insurers now rank among the top insurance providers in North America.

Rated A+ (Superior) By A.M. Best
Banner Life, takes their financial promises seriously. They also promise to treat their customers fairly and to apply ethical standards to every business transaction. They believe in offering low-cost, innovative products and responsive service. Their goal is to build lasting, mutually beneficial partnerships for life.

Rated A+ (Superior) By A.M. Best
Genworth Financial can be measured in terms of assets, revenues and capitalization, but it can be fully understood only in human terms. The intelligence, experience, courage and compassion of theri 6,900 associates are the company’s real wealth. They also have an extensive distribution network comprised of thousands of business partners who share their vision of helping people secure and protect lifestyles for customers around the world.



Rated A+ (Superior) By A.M. Best
In 1997, West Coast Life Insurance Co. became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders.West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of almost 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family.

West Coast Life's excellent reputation is based in part on these pre-eminent values - quickness to respond, quality, serving our people and growth. In their quickness to respond, serving their policyholders and the brokerage community, they have adopted Protective Life's Five Cardinal Principles which have given them the communication tools and framework to make quality an integral part of their company.

Rated A+ (Superior) By A.M. Best
ING’s businesses in the United States offer individual, business and institutional customers innovative financial products and services in insurance, investment, asset management and internet banking. ING U.S. Financial Services (USFS) and ING Investment Management Americas (IIM), with headquarters in Atlanta, comprise the operating units of ING Insurance Americas - which also encompasses businesses in Canada and Latin America. USFS provides retail and institutional clients with products and services in retirement services, annuities, life insurance, employee benefits, mutual funds, financial planning, reinsurance and institutional markets.



Rated A (Excellent) By A.M. Best
Millions of Americans rely on Mutual of Omaha for their individual insurance and financial services needs. The products of our Individual Financial Services business unit and our representatives' personalized service help maintain this position of leadership. Mutual of Omaha serves individuals, families and small businesses with life and health insurance, financial services and investment options.

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