Term life insurance, priced in 2 minutes.
No medical exam for most people. A decision today. A licensed agent whenever you want one, and never a sales call you didn’t ask for.
- A+ rated insurers
- No exam up to $2M
- Cancel anytime
Your price, right now
No email neededEstimate for a healthy applicant. Your final price is set during underwriting.
2 minutes
to your price
No exam
for most people, up to $2M
Same day
decisions for many applicants
How it works
Three steps. No runaround.
Answer a few questions
About two minutes. Nothing to look up.
See your price and your odds
Your price, your approval odds, and how fast you’ll hear back. Before you apply.
Apply and get covered
Ten minutes online. Most people skip the exam. Many are approved the same day.
The concept
$500,000 is not a number. It is a list.
Pay off the house. Replace a few years of income. School for the kids. The funeral and the credit cards. Add it up and the number stops being abstract, and so does the reason to buy it. Our application builds this list for you and shows what every dollar does.
Build my list$34 a month, as an estimate, for a 20-year term in the preferred class. Your price is set during underwriting.
Why Nectar
What other insurers don’t tell you.
Your approval odds, up front
Know how likely you are to be approved before you spend a week finding out.
Decision time, not just price
Same day, or one to two weeks. You’ll know which before you apply.
The right amount, not a slogan
A one-minute needs analysis built from your income, mortgage, debts and kids.
Real people, zero pressure
Licensed Nectar agents by chat or phone. We never call unless you ask.
Pricing
What Nectar Term costs by age.
$500,000 of coverage, 20-year term, preferred non-tobacco. Your price never changes once your policy is issued.
See my exact price| Age | Male | Female |
|---|---|---|
| 25 | $25/mo | $21/mo |
| 30 | $30/mo | $24/mo |
| 35 | $34/mo | $28/mo |
| 40 | $47/mo | $38/mo |
| 45 | $70/mo | $58/mo |
| 50 | $122/mo | $100/mo |
| 55 | $198/mo | $162/mo |
| 60 | $324/mo | $266/mo |
Estimates calibrated to 2026 published averages. Not an offer of coverage. Tobacco users can expect roughly 2 to 2.5 times these amounts. Tap an age for the full table of amounts and terms.
Coverage calculator
How much do you need?
Income, what you owe, what the kids will need, minus what you already have. One minute.
- Replaces your income for the years that matter
- Pays off the mortgage and other debts
- Funds education and final expenses
- Counts coverage you already have
Your number in a minute
Nothing is savedAssumes $80,000 of education per child and $15,000 of final expenses. You can change every number inside your application.
Questions
Straight answers.
How much does Nectar Term cost?
A healthy 30-year-old can expect roughly $25 to $35 a month for $500,000 of 20-year coverage. Prices rise with age and roughly double for tobacco users. Your exact price takes about two minutes to see, and it is locked for the whole term once your policy is issued.
Do I need a medical exam?
Most applicants do not. Nectar Term issues up to $1 million to $2 million of coverage without an exam, using health questions and prescription and driving records instead. Larger amounts or certain health histories can still require one, and we tell you before you apply.
How much coverage do I need?
A common rule is 10 times your income, but a better answer adds your mortgage and debts, education costs for children and final expenses, then subtracts existing coverage and savings. Our calculator above does that math in a minute.
What is the difference between term and whole life?
Term life covers you for a set period, usually 10 to 30 years, at a fixed price and is the most affordable way to protect income and debts. Whole life lasts for life and builds cash value, at a far higher premium. Most families with a mortgage and children are best served by term, which is why it is what Nectar sells.
How fast can I get covered?
Many applicants get an instant or same-day decision for no-exam coverage. Applications that need an exam or extra records usually take one to two weeks. We show the expected decision time with your quote.
Who issues Nectar Term policies?
Nectar Term policies are issued by Nectar's partner insurers, each rated A or better by A.M. Best, and serviced by Nectar. We match your application to the partner whose underwriting fits your profile, which is how we keep your price and approval odds where they are. Your policy documents name the issuing company.
Learn
Guides from licensed agents.
Life StagesLife Insurance to Protect a Spouse's Retirement: The Math
Life insurance to protect a spouse's retirement: size a 10- or 15-year term to the lost Social Security check and the mortgage. About $78 a month at 55.
UnderwritingLife Insurance for Dangerous Jobs: How Underwriting Works
Life insurance for dangerous jobs: most roofers, loggers, pilots and officers are issued with no occupational rating; a few jobs carry a flat extra.
BasicsFinal Expense Insurance vs Term Life: Which Should You Buy?
Final expense insurance vs term life: if you are 60 or under and qualify, $100,000 of 10-year term costs about $36 a month at 55, far less per dollar.
Two minutes to a price.
No exam for most people. No calls unless you ask.