Life Insurance Just Got Easier.

Get a Quote.

"I was able to get a 30 year $1,000,000 term policy for less than $60 per month." - Mike, from NJ 

Our Simple Process.

You've Got This.


Get a Quote.

See how affordable it can be.


Apply in 5 min

Answer a few questions to complete your application.


Instant Decision

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Pine Valley is different.

Easy to Get. Easy to Change.

Why People Love Pine Valley.

Life insurance can and should be affordable.
Pine Valley is committed to giving you a great value.

Stellar prices.

Pine Valley insurance professionals are licensed and salaried only. Here to help, not sell.

No brokers, no upselling.

We are fully licensed. Pine Valley is secured by Fidelity Security Life Insurance Company.


Pine Valley offers fully underwritten term because it is cost-effective and financially savvy. It’s what we have ourselves.

Term Life Insurance.

With Pine Valley, your price is locked in. It does not increase if your health changes or as you age.

Price lock guarantee.

You may cancel your policy whenever you want to, for any reason. No questions asked.

Cancel Anytime.

We never charge policy fees. Period. We’re building life insurance the way it should be, and no one needs fees.

No policy fees.

Get what you need today. Anytime, apply for more, or decrease without fees or hassle.


If you’re not happy, we will refund your money within the first 30 days. No muss, no fuss.

Money back guarantee.