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APR Calculator

Would you like to learn about a little-known way to save money on your life insurance (and other types of insurance) premiums?

You may be aware that there are several options for paying your insurance premiums. Most companies allow you to pay annually, semiannually, quarterly or monthly. Did you know that paying once a year will save you money over the life of your policy?

Depending on how you set up payments, the additional costs can add up! Our easy-to-use APR Calculator will help you see how much it REALLY costs you for different payment schedules.

Knowing the details just makes good financial sense! Watch the following video to find out more.

Use the calculator below to find out how much you could save.


  • Enter annual premium: $

  • Choose payment mode: 

  • Enter payment amount: $

  • The cost of term life insurance payment options:

    Your APR:

    Your annual APR charge:

    If you’d like to find the APR of a different premium, payment option, or payment amount, please click the button below.


Questions? Feel free to call 800-442-9899 to speak with one of our experienced life insurance professionals. We can help you make sure you’re saving as much money as possible.

You can also click the Get Started button on the right side of the page to get a free life insurance quote.

We only work with highly rated insurance companies – brand names you trust. You may be able to save money without sacrificing quality and strength.