Life Insurance Auto Insurance Contacts
Life Insurance Auto Insurance Contacts
Get Quote

Life insurance can be surprisingly affordable

Protect yourself and others with a policy that offers financial security in case of an accident.

Picture1

How does life insurance work?

Life insurance is a contract between you and an insurance company. In exchange for regular payments (premiums), the insurer agrees to pay a tax-free lump sum (death benefit) to your beneficiaries if you pass away during the policy term.

This money can help your loved ones:
  • point Replace lost income
  • point Fund a child’s education
  • point Secure your business
  • point Pay off debt
  • point Cover funeral and end-of-life expenses

There are different types of policies, but they all share one goal: providing financial security for those you care about most.

Try now

How to get life insurance?

The process of securing life insurance is less complicated than most people imagine. It can be summed up in three steps:

1

Choose your policy

Review quotes on term and permanent policies and pick an option that best suits your goals and budget.

Choose your policy
2

Apply for coverage

Fill out a questionnaire, complete a medical exam if required, and wait for the provider to review your application.

Choose your policy
3

Big life events

Consider getting coverage when you get married, have children, buy a home, or take on long-term financial obligations.

Choose your policy
GET QUOTES

At what age should you get life insurance?

The best time to buy life insurance is when you’re young and healthy, typically in your 20s or 30s. Why?

Lower premiums

Lower premiums

Age and health heavily influence your rates. Younger applicants usually pay less.

Lower premiums

Future-proof coverage

Buying early helps lock in coverage before health conditions develop.

Lower premiums

Big life events

Consider getting coverage when you get married, have children, buy a home, or take on long-term financial obligations.

That said, it's never too late to get coverage, as many providers offer policies up to age 75 or older.

GET QUOTES

How much does life insurance cost?

Life insurance costs vary significantly depending on age, health, coverage amount, term length, lifestyle, and other factors. Our quote comparison tool incorporates all these variables to deliver precise quotes from national and local providers.

Did you know?

In the 2023 Insurance Barometer Study, over 50% of the survey respondents estimated that a 20-year, $250,000 term life insurance policy for a healthy 30-year-old would cost $500 per year or more. The actual average cost is under $200 per year.

What are the main types of life insurance?

There are two primary types of life insurance: term and permanent. They are designed to accommodate different goals and budgets, and each has its distinct benefits.

Term Life Insurance
  • point Affordable, simple coverage
  • point Covers for a set period (e.g., 10, 20, or 30 years)
  • point No-Med Exam options available
  • point Great for young families and income replacement
Whole Life Insurance
  • point Lifelong coverage
  • point Builds cash value over time
  • point Good for estate planning and long-term financial goals
  • point Higher premiums, but includes investment-like features

Other types:

Lower premiums

Universal Life

Flexible premiums and death benefits; also builds cash value.

Lower premiums

Final Expense Insurance

Smaller coverage amounts for funeral and medical bills.

Lower premiums

Group Life

Group Life: Coverage through your employer. Limited, but helpful as a supplement.

GET QUOTES

Life Insurance FAQ

Do I need a medical exam to get life insurance?
Not always. Many insurers offer no-exam policies with instant or accelerated underwriting. These are typically available for healthy individuals under a certain age.
Can I get life insurance if I have health issues?
Yes. Some insurers specialize in covering people with pre-existing conditions. You may pay more, but coverage is still available.
Is life insurance worth it if I'm single or don’t have kids?
Life insurance can still help cover debts, final expenses, or leave a financial legacy to loved ones, charities, or business partners.
What happens if I outlive a term life policy?
The policy simply ends, and no benefit is paid. However, some policies offer renewal or conversion options.
How much life insurance do I need?
A common rule of thumb is 10–15 times your annual income, but your actual need depends on debts, dependents, lifestyle, and long-term goals.

By clicking the "Get Quotes" button, I provide my electronic signature and represent that I am 18 and agree to this website's Privacy Policy and Terms of Use.

By clicking the "Get Quotes" button, I provide my express written consent and authorization to the owner of this website and/or the agents of one or more of the listed businesses to contact me for marketing/telemarketing purposes at the number and address provided above, including my wireless number if provided, using live operators, automated telephone dialing systems, artificial voice or prerecorded messages, text messages and/or emails, if applicable, even if I have previously registered the provided number on any Federal or State Do Not Call Registry. I understand that my consent is not required as a condition of purchasing goods or services and can be revoked at any time.