This website provides life insurance quotes for term and guaranteed universal life insurance. The rates that are shown are quotes based on information provided by the carrier. By requesting a quote, you consent to the Privacy Policy and the Terms of Use. By submitting your contact information, you acknowledge that you are completing a request to be contacted by an insurance agent with an active license in your home state.

Our agents may contact you via telephone, email, text, or mail. Term Life Advice / JRC Life Insurance Services agrees not sell your information to a third party, and that any health or personal information shared through our website or with our agents will be subject to all applicable HIPAA privacy laws and regulations.

Term Life Advice is owned and operated by JRC Life Insurance Services and it’s designated and licensed agents, L. Ramon Summerour, Justin R. Nelson, Jason B. Dana, Louis J. Lopes, or Clifford J. Pendell. Any invitations for applications will be completed by these agents only if licensed and appointed. Any applications submitted within the State of California will be completed by JRC Life Insurance Services, California Lic. #0K09143. L. Ramon Summerour, Justin R. Nelson, Jason B. Dana, Louis J. Lopes, and Clifford J. Pendell are licensed life insurance agents in 48 states and Washington DC. Louis J. Lopes and L. Ramon Summerour are licensed life insurance agents in South Dakota. Louis J. Lopes and Justin R. Nelson are licensed life agents in Hawaii.

The following agent license numbers are provided for L. Ramon Summerour as required by state law: CA Lic. #0D47717, LA Lic. #297729, MA Lic. #1776910, MN Lic. #20371986, UT Lic. #196986, TX Lic. #1200977, AR. Lic. #252009. The following agent license numbers are provided for Justin R. Nelson as required by state law: CA Lic. # 0E76438, LA Lic. #403858, MA Lic. #1873611, MN Lic. #40004760, UT Lic. #260684, TX Lic. #1337240, AR. Lic. #315869. The following agent license numbers are provided for Jason B. Dana as required by state law: CA Lic. #0G18647, LA Lic. #473851, MA Lic. #1860441, MN Lic. #40133063, UT Lic. #298896, TX Lic. #1512814, AR. Lic. #340878. The following agent license numbers are provided for Clifford J. Pendell as required by state law: CA Lic. #0H80157, LA Lic. #558590, MA Lic. #1914591, MN Lic. #40283975, UT Lic. #418060, TX Lic. #1756474, AR. Lic. #404450. Additional licenses are available upon request. Commercial use by others is prohibited by law.