Life Insurance Quotes — Compare Rates

Compare Life Insurance Rates

Life insurance protects your family financially if something happens to you. Term life insurance is the most affordable option, with rates starting as low as $15/month for healthy adults.

Term vs Whole Life Insurance

Term life insurance covers you for a set period (10, 20, or 30 years) and pays a death benefit if you die during the term. It's the most affordable option.

Whole life insurance covers you for your entire life and builds cash value, but costs 5-10x more than term.

What Determines Your Life Insurance Rate?

• Age — Younger = lower rates. Lock in rates while you're young and healthy
• Health — Medical exam required for most policies, but no-exam options exist
• Coverage amount — $500K, $1M, or more. Higher coverage = higher premium
• Term length — 10, 20, or 30 years. Longer terms cost more but lock in your rate
• Smoking status — Smokers pay 2-4x more than non-smokers
• Occupation — High-risk jobs increase rates

Top Life Insurance Providers

• Ethos — No medical exam for some policies, instant approval
• Bestow — Online-only, no medical exam, fast approval
• Liberty Mutual — Traditional carrier with bundling discounts
• Everyday Life — Specialized in affordable coverage
• Ladder — Up to $3M coverage, no medical exam up to certain limits