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I am mostly a health agent but I sell some FE when I am asked about it from clients so I don't subscribe to a quote engine. I can find free instant 5,10,15 etc term quotes online but couldn't find one for ART ? Any suggestions where I could find this? Not trying to sell ART but trying to see what a ns male 69 and ns female would be pay for a 30k annual term in florida to be able to illustrate to them that their underfunded UL policy premium of 129.00 that has been going up every year beginning 3 years ago may be expensive to hold on to.