No-contact quote
Get a term life quote—privately.
Compare carrier-sourced estimates in about 30 seconds. No name, email, or phone number required.
Not sure how long coverage should last? Review term life insurance before you quote.
Build your term estimate
Use the proposed insured’s information. All fields are required.
- 10-, 15-, 20-, and 30-year level term options
- Multiple underwriting classes shown side by side
- No contact information required to see the estimate
Private by design: your quote inputs are used only for this calculation and are not saved in your browser. Personal contact information is requested only if you choose to continue the application.
Compare your term options
Rates shown are estimates before underwriting.
Generated live from Ameritas’ public Value Plus Term calculator for these answers. First Freedom Life is not the issuing insurer; this is an estimate, not a bindable quote or offer.
Estimated range by term length
These ranges span the carrier classes shown below. Your final class is determined through underwriting. Eligibility, available classes, and rates vary by age, state, and underwriting.
Compare every underwriting class and rider option
Preferred Plus through Standard are carrier underwriting classes—not choices you need to make today. “Conversion Extension Rider” options include an additional rider estimate where available.
Swipe to compare all classes →
| Level term | Preferred Plus | Preferred | Select | Standard |
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Not sure which health class applies?
That is normal. The carrier determines your final underwriting class after reviewing the application. The application is directly below whenever you are ready.
Start your term life application
Complete the secure First Freedom Life intake online after reviewing your estimate. You can also apply immediately without generating a quote.
Submitting the intake is not a policy approval or authorization to issue coverage. A licensed professional will review next steps with you.
Questions while you quote or apply? Call or text (786) 567-6889. No appointment is required.
A quote is a starting point—not a promise.
Term pricing depends on age nearest birthday, state, tobacco use, health history, underwriting class, payment method, and optional riders. The table lets you compare ranges without pretending the lowest column is guaranteed.
Is the displayed premium final?
No. The actual premium may differ from this quote. Ultimate premiums and eligibility are determined after the carrier completes underwriting and confirms the selected payment method.
What is the Conversion Extension Rider?
The Conversion Extension Rider may extend the period in which an eligible term policy can be converted to permanent insurance. Availability, limits, and rider cost vary by policy, age, and state.
Does getting an estimate apply for coverage?
No. The quote does not submit an application or bind coverage. Use the application on this page if you want First Freedom Life to review your eligibility and next steps.
Important: Premiums are guaranteed level only for the applicable initial term period. Guarantees are based on the claims-paying ability of the issuing company. This quote is based on age nearest birthday. The actual premium may differ from this quote. Ultimate premiums are determined after the underwriting process is complete and by the payment method selected. This quote is not an offer of a contract.
Value Plus Term policy forms, riders, features, and availability vary by state. Ameritas Life Insurance Corp. or Ameritas Life Insurance Corp. of New York is the issuing insurer, as applicable. First Freedom Life is an independent insurance brokerage and is not the issuing carrier. Review carrier materials and policy forms for complete terms.