Many people out there don’t surf the Web, and sometimes Clark forgets that. He often gives out Web sites that offer comparison quotes and information. So, what about those people are aren’t Internet active? There are options out there for you, but you need to pick up the phone and call. The companies that offer very good rates on term life insurance are TIAA-CREF and USAA. The phone numbers are 1800-223-1200 (tiaa-cref) and 1-800-531-8000 (usaa). You buy term life based on the years between now (your current age) and the number of years left in your working life. You base the amount on your needs, which include a wife and kids or just a wife or just a husband. You can get quotes from agents if you feel comfortable. But if the person starts trying to sell you something else, run the other away.