Term life insurance
Apply for term life insurance online.
Coverage for 10, 20 or 30 years with premiums that stay level for the term. No medical exam, just a few health questions.
If you don't qualify for term coverage, the application may offer an accidental death plan instead, which pays only for accidental death.
For new coverage only. For an existing policy or a claim, please call your insurance company.
Apply online any time, day or night, from your phone or computer. See your price before you apply.
Opens our secure online application with our partner InstaBrain.
Eterna is an independent insurance agency, not an insurance company. Your policy is issued by the insurer you choose.
Plans
What you can get.
Plans, prices and availability vary by insurer, age, health and state.
Level for the term
Your premium stays the same for the length of the term you choose.
The amount you need
Pick a benefit that matches your mortgage, income or family's needs.
See your price first
Answer a few questions and see your price before you apply.
Lifelong coverage instead?
Whole life plans don't expire as long as premiums are paid.
See this option →How it works
Apply in a few minutes.
- Tap Apply onlineYour secure application opens in this window.
- Answer a few questionsYour age, state, the coverage you want and some health details.
- See your priceCheck the price before you decide. No obligation.
- Apply onlineIf the plan fits, finish the application and sign online.
Before you start
Have this ready.
- Your date of birth
- Your height and weight
- Medications and any health conditions
- Who you'd like as your beneficiary
- How you'd like to pay the first premium
Apply online any time, day or night, from your phone or computer.
Insurers
Companies our agents are appointed with.
Plans, prices and availability vary by insurer, age, health and state.
Questions
Common questions.
Who issues my policy?
Eterna is an independent insurance agency, not an insurance company. The Apply online button opens our secure application with our partner, InstaBrain. Your policy is issued by the insurer named in your application.
Do I need a medical exam?
Most plans here don't require a medical exam. Many ask a few health questions on the application. Guaranteed issue plans ask none.
What is guaranteed issue life insurance?
A guaranteed issue plan accepts you within its eligible ages without health questions or an exam. These plans usually pay a limited benefit, often the premiums paid plus interest, if death from natural causes happens in the first two years. Accidental death is typically covered in full from the start.
How long does it take?
Many people finish in one sitting. Some insurers give a decision during the application; others follow up by email or phone. Coverage starts once the insurer approves you and receives the first premium.
Can you help with my existing policy or a claim?
No. These applications are for new coverage only. For an existing policy, a payment or a claim, please call your insurance company directly.
Can I talk to someone instead?
Yes. Call Eterna at (949) 807-3995, Monday to Friday, 9am to 9pm ET. A licensed agent can compare plans from several insurers with you.
About Eterna
On your side, not the insurer's.
Independent
We compare several insurers, not just one.
Licensed agents
Licensed agents walk you through every option.
No obligation
Your quote is free. You decide if and when to apply.
Next step
Ready to apply?
See your price and apply online in minutes. No obligation.