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 # 1771296

About Our Companies

TermRates 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.

The companies we represent are rated A- (excellent) to A++ (superior) by A. M. Best. Availability of companies and products varies by state. To view a company's financial rating, click on the company logo.

American General
American General Insurers have been keeping promises to American families and businesses for more than 160 years. 
Banner Life Insurance Company is in the business of providing financial protection through life insurance for families living in America from coast to coast.
Since writing our first policy in 1871 as The Life Insurance Company of Virginia, we've been committed to helping people effectively protect and achieve the comfort of financial security. Today, even in this challenging environment, Genworth Financial is strategically focused and positioned to provide the stability, confidence and support our policyholders, customers and distributors can rely on now and in the future.
Illinois Mutual

Illinois Mutual helps people achieve and safeguard their financial security by creating competitive, innovative solutions.Our strong partnerships with distributors, who rely on us to be accessible and responsive, are the Company's foundation.


As a leading provider of retirement, insurance and investment management products and services, ING U.S.'s goal is to help make it easier for Americans to grow, protect, and enjoy their savings across all major life stages. We are focusing on our customers, doing the right thing, delivering on our promises, and respecting our people and our environment.

Ohio National

Building on more than 100 years of expertise and sound risk management, Lincoln Financial today has a strong financial foundation with ample capital and liquidity to cushion the company from further disruptions in the markets.

Ohio National

The Ohio National Life Insurance Company was founded on September 9, 1909. A little more than a year later, on October 10, 1910, the first policy was written. The past has shaped Ohio National into the company it is today, and the future looks bright.

Ohio National
Mutual of Omaha is a mutual company. That enables us to focus on the long-term needs of our policyholders, not the short-term demands of the stock market. We have built a policyholder surplus of $2.3 billion, an amount that represents added security and protection for you.


How Can You Reach Us?

Phone & Email

Local: 703-691-1122
Fax: 703-691-1244
Email: susan@mytopagents.com

Have An Application Pending?

Call our toll free number: 1-800-288-6170

Mailing Address

Regional Insurance Offices
PO Box 11
Fairfax Station, VA 22039