Term life insurance made easy.

Apply in minutes for affordable term life insurance with no medical exam.

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Get a free, instant quote.
Answer a few easy questions to get your free quote in seconds. If you like what you see, apply online in less than 10 minutes.
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The Lantern difference

Don’t be intimidated by life insurance. We’re making it fast and easy to apply.

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Fast

Finish your application in as little as 5 minutes — and without a medical exam.

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Affordable

Healthy applicants may qualify for coverage from $11 per month.

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Trusted

Part of Sammons® Financial Group – protecting families for over a century.

Applying is as easy as 1, 2, 3.

Step 1

Answer a few simple questions.

We’ll ask you some easy questions about your medical history, health, and lifestyle. It takes most people less than 10 minutes.

Step 2

Review your price.

Most applicants receive an instant decision. If you’re approved, you can select the coverage and term that best meets your needs.

Step 3

You’re covered. Really. That’s it.

If approved, just sign and pay online, and boom – you’re covered!

Got questions?

You're not alone. We get questions all the time.

How is term life insurance different than whole life insurance?

Term life insurance is cheaper than whole life insurance. It provides coverage for a specific length of time (this is called a “term”) at a level premium (meaning the price doesn’t change) throughout the life of the policy. Whole life insurance covers you for life as long as you pay the premium, and includes a cash value component. Because the death benefit is guaranteed for your life, whole life is more expensive than term insurance.

How can I get a quote?

To start a quote, simply click here. We’ve created a simple, online quote tool where you can get started. Enter your gender, birthdate, height, weight, and state of residence, to receive an estimate. If you like what you see, you can continue to apply.

How long does the application process take?

As fast as 5 minutes! We’ve worked hard to make the application process quick and seamless so apply today.

Can I talk to a human about my life insurance needs?

Of course! We have Customer Care Advisors available to assist you with any questions or concerns that you may have. Give us a call at 1-800-835-8803, M-F 8am-5pm CT.

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