About Us

Marty Shanton, LUTCF founded TermRates in the mid-1980's. He had over 40 years in life insurance sales and service for his clients and his agents. He was a General Agent for several life insurance companies and maintained long-term working relationships with his agents.

Susan Shanton has worked closely with Marty Shanton for 30 years in their life insurance office, doing life insurance sales as well as assisting the agents with products and sales. So far Susan is licensed in several states, including AL, AZ, CO, DC, DE, FL, GA, IL, KY, LA, MI, MN, MD, MO, NC, NH, NJ, OH, PA, RI, SC, TN, TX, VA, VT, WV. TX license # 1771296TermExpress.com is dedicated to providing you with affordable term life insurance as quickly as possible.

We represent a wide range of companies so we are able to find a company that meets your needs. By representing multiple companies, we can provide you with the lowest price possible for life insurance. With our online quoting system, you can run insurance quotes and apply online.

About Our Companies

The companies we represent are rated A (excellent) to A++ (superior) by A. M. Best. Availability of companies and products varies by state.

aig
Rated A++ (Superior) By A.M. Best
AIG American General companies have been protecting the hopes and dreams of American families for nearly a century. Although the company has retained its Houston base, today it bears little similarity to the simple operation that began with one man’s dream. With more than 4,000 employees and customer service centers across the country to serve our producers and customers, AIG American General insurers now rank among the top insurance providers in North America.

banner
Rated A+ (Superior) By A.M. Best
Banner Life, takes their financial promises seriously. They also promise to treat their customers fairly and to apply ethical standards to every business transaction. They believe in offering low-cost, innovative products and responsive service. Their goal is to build lasting, mutually beneficial partnerships for life.

genworth
Rated A+ (Superior) By A.M. Best
Genworth Financial can be measured in terms of assets, revenues and capitalization, but it can be fully understood only in human terms. The intelligence, experience, courage and compassion of theri 6,900 associates are the company’s real wealth. They also have an extensive distribution network comprised of thousands of business partners who share their vision of helping people secure and protect lifestyles for customers around the world.

westcoast
Rated A+ (Superior) By A.M. Best
In 1997, West Coast Life Insurance Co. became a member of the Protective Life Insurance Family. West Coast Life added its excellent reputation in the insurance industry amongst the brokerage community and, of course policyholders, to the growing list of the Protective Life family of policyholders.West Coast Life was founded in 1906 and Protective Life in 1907. The two companies have forged the experience of almost 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine. And since 1997, West Coast Life has grown to be the crown jewel of the Protective Life Family.

West Coast Life's excellent reputation is based in part on these pre-eminent values - quickness to respond, quality, serving our people and growth. In their quickness to respond, serving their policyholders and the brokerage community, they have adopted Protective Life's Five Cardinal Principles which have given them the communication tools and framework to make quality an integral part of their company.

ing
Rated A+ (Superior) By A.M. Best
ING’s businesses in the United States offer individual, business and institutional customers innovative financial products and services in insurance, investment, asset management and internet banking. ING U.S. Financial Services (USFS) and ING Investment Management Americas (IIM), with headquarters in Atlanta, comprise the operating units of ING Insurance Americas - which also encompasses businesses in Canada and Latin America. USFS provides retail and institutional clients with products and services in retirement services, annuities, life insurance, employee benefits, mutual funds, financial planning, reinsurance and institutional markets.


lincoln
Rated A+ (Superior) By A.M. Best
The Lincoln National Life Insurance Company was founded in Fort Wayne, Indiana on June 12, 1905. During a time of controversy among big, established insurers, its 33 founders envisioned an insurance company rooted in dependability and honesty. To convey this spirit of integrity, they adopted the name of our 16th President, Abraham Lincoln, to represent the ideals the new company was founded upon. Robert Todd Lincoln, the President's only surviving son, gave the founders permission to use his father's name and likeness in July 1905, solidifying the name for the new company.