Fast online application

Apply online in about 10 minutes by answering some simple questions. It’s that easy.

Affordable premiums

Rates start as low as $11 a month. Once approved, just sign, pay and you’re covered.

Peace of mind

It can feel good knowing you’ve taken an important step to help protect your family’s financial future.

Lantern helps you protect what matters most.

a couple packing up to move
Home

Mortgage or rent payments

a girl that graduated hugging her father
Education

Tuition, school fees, etc.

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Lifestyle

Vehicles, family vacations, and more

two kids on their way from scrool
Kids

Pre-school, sitters, or summer camps

18-60 years
Eligible ages
$100k-$1.5MM
Coverage amounts
10, 15, 20, 25, 30 years
Term lengths

Find the right coverage at the just-right price.

Rates shown based on a healthy, non-smoking, 35-yr old woman.

10 yr
Starting at
$21.33
/ MONTH
Up to
$500k
Coverage
20 yr
Starting at
$22.97
/ MONTH
Up to
$500k
Coverage
30 yr
Starting at
$20.72
/ MONTH
Up to
$250k
Coverage

Quote reflected is an example. Your actual premium will be determined by underwriting review.

How much life insurance do I need?

Coverage calculator

Let us help you determine how much money your family might need if you were to pass away. Everyone’s situation is unique, but our coverage calculator can help give you an estimate of your coverage needs.

Learn more
Answer a few basic questions and leave the math to us.

Disclosure: The Lantern Term Life Insurance Calculator is for informational purposes only and is not to be construed as financial advice, nor is it intended to be a recommendation of specific insurance guidance products. Lantern shall not be responsible for any financial or investment decisions made as a result of any information generated by the Lantern Term Life Calculator. The amount of insurance generated by this calculator is an estimate only. The estimated amount of insurance is based upon the information you input into the calculator, as well as various other assumptions made by Lantern. You should speak to a financial advisor about any financial or investment-related questions that you may have.

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Families everywhere trust Lantern.

Simple online application for fast, affordable coverage

30-day free-look period

Part of Sammons® Financial Group — member companies have been protecting families for over a century

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.

Get coverage today, if approved.

It really is that easy.

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