Life Insurance

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Save Money

Get the best rates by comparing quotes from the nation’s top life insurance companies. 100% free.

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Provide some very basic info and get instant life insurance quotes. No hassles. No charge.

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Apply online and sign electronically at your convenience. No paperwork and no meetings with an agent.

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How Much do I Need?

Find out how much life insurance you need, or speak with a licensed agent by phone during the quoting process.

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Will I Qualify?

If you’re like 95% of our applicants, yes, you’ll qualify for life insurance. It’s fast and easy to find out.

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72% of Americans overestimate the cost of life insurance by an average of 3x the actual cost!

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Based on the 2019 Insurance Barometer study by LIMRA

Answers to Your Life Insurance Questions

What is life insurance?

Life insurance is a contract between an insurance company and the insurance policy owner. The insurance company pays a cash amount (called the coverage amount or death benefit) to the beneficiary(s) named in the policy upon the death of the insured person named in the policy.

A few reasons people buy life insurance are to provide financial security for their family, fund business continuation and pay estate taxes.

The two main types of life insurance policies are term life insurance and permanent life insurance.

How do I determine the amount of life insurance I need?

Your coverage need depends on your individual circumstances. Factors you should consider include anticipated final expenses (e.g. medical bills and burial costs), living expenses for your surviving family members, any outstanding loans (e.g. auto and credit cards), the outstanding balance on your mortgage, anticipated education costs for your children, estate taxes, and business continuation expenses.

A simple way to achieve a “starting point” is to take a multiple of your annual income and adjust for the factors listed above. We recommend ten times your annual income to start. Keep in mind that your needs will most likely change over time and what seems like enough today may not be adequate in ten years. It is usually best to purchase an amount you can afford while at the same time considering future needs.

Most insurance companies allow a certain multiple of your annual income based on your age and are usually flexible if you can demonstrate other needs. The amount you choose is up to you for the most part; however, you will need to justify amounts over and above a company’s income multiple guidelines.

Take a look at our Life Insurance Needs Calculator for help determining how much coverage you need.

What are the different rating classes and what do they mean?

The rating class is the risk category which you qualify for through underwriting. The underwriter will take your information and compare it with the company’s guidelines. This comparison allows the underwriter to place you in a group of people with similar risk characteristics.

Common rating classes are Preferred Plus (also called Super Preferred), Preferred, Standard Plus, Standard and Substandard. The rating class determines how much you will pay for your policy, with the least expensive being the Preferred classes and the most expensive being the Substandard classes.

How do I apply for life insurance?

Start by comparing quotes from the top life insurance providers. Get Free Life Insurance Quotes now!

Our Latest Life Insurance Articles

Colonial Penn Life Insurance Review (Updated)

This Colonial Penn Insurance review will help you understand which insurance plan works for you. You may ask some of the following questions: What are the pros and cons of choosing Colonial Penn Insurance? What about Colonial Penn vs Globe Life? What’s good life insurance for seniors? Term or permanent life insurance — which is better for [...]

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Life Insurance Rates Comparison Chart

In addition to all of the great resources you'll find in our Life Insurance Learning Center, a life insurance rates comparison chart can help you decide which policy type is best for you by comparing costs side-by-side. Life insurance rates vary greatly between policy types. They are also influenced by age and health factors. It’s hard to decide on [...]

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Shopping for life insurance can be overwhelming, and it can be even more stressful if you have asthma. There are many kinds of life insurance, even no medical exam term life insurance. Our guide on how to get term life insurance with asthma will walk you through everything you need to know. When shopping for life insurance with asthma, you should always [...]

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