Life Insurance Quotes

Shawn Plummer

CEO, The Annuity Expert

Compare Life Insurance Quotes Online

Ensure financial security for your family with a life insurance policy. See how affordable a life insurance policy can be. Get rates from 20 different providers with our FREE life insurance calculator.

We’re A Life Insurance Agency

The Annuity Expert is an insurance agency that helps with personalized insurance solutions. Our life insurance team offers unbiased advice and many options to meet client needs. Because we are not tied to any specific insurance companies, we can focus on what’s best for our clients. We offer many types of life insurance for different life stages and financial goals. We offer a unique service that is flexible and focused on clients. If you want personalized help and products, it’s great for buying life insurance.

What is Life Insurance?

Life insurance is a contract between you and a life insurance company. When you die, this provides financial security for your loved ones with a death benefit. The crux of it is to shield your loved ones from financial burden and provide peace of mind.

How Life Insurance Works

The policyholder pays premiums. When the person with insurance dies, the company gives money to the beneficiaries.

How To Buy Life Insurance

Starting a life insurance quote is more straightforward than it sounds. It involves assessing your dependents’ financial situation, liabilities, and living expenses. To find out how much coverage you need, visit a trusted life insurance agency (such as The Annuity Expert). They can provide you with a free quote online in minutes.

How Much Does Life Insurance Cost?

Life insurance prices are based on your age, health, lifestyle, and the coverage you want. Our advice? Consider your options, compare prices, and buy life insurance that suits your budget.

If you are young and healthy, your life insurance can be affordable, starting at $13 per month. At The Annuity Expert Life Insurance Agency, you can get coverage starting at $5,000. The coverage options go up to over $10 million.

This table shows the rates for a 20-year term life insurance policy. The coverage amount is $500,000 for preferred non-smokers. The data is from The Annuity Expert’s life insurance calculator. It compares rates from 20 insurance companies.

Age GroupGender20-Year Term Insurance for $500,000 (Preferred Non-Smoker)
30 yearsMale$24 – $35
40 yearsMale$35 – $50
50 yearsMale$85 – $105
60 yearsMale$250 – $300
30 yearsFemale$20 – $30
40 yearsFemale$30 – $35
50 yearsFemale$65 – $80
60 yearsFemale$185 – $275

What Are The Benefits Of Life Insurance

  • Protect your family’s finances with life insurance if something happens to you.
  • Knowing your loved ones will be taken care of when you’re gone brings peace of mind.
  • Beneficiaries generally receive life insurance proceeds free from federal income tax.
  • You can use the insurance money for everyday needs, schooling, or paying off your home loan.

Life insurance is important. It protects your family financially and brings peace of mind. When you get life insurance, your family’s future is protected no matter what.

Life Insurance Policy

Why Do You Need Life Insurance?

Life insurance gives hope and support, so loved ones won’t face money problems after you’re gone. It brings financial security, covers debts and final expenses, and offers peace of mind.

How Much Life Insurance Do I Need?

To figure out how much life insurance you need, a general guideline is to get a policy that pays 10 to 15 times your yearly income. But keep in mind this is just a general guideline. Your needs might be different based on your situation.

What Are the Different Types of Life Insurance?

Many life insurance policies are available, catering to diverse needs and preferences. To choose the best life insurance, learn about the available types.

  • Term life insurance provides coverage for a specific period. It pays a death benefit if the insured person dies during this time. It’s a popular choice for those seeking cost-effective, temporary coverage.
  • Whole Life Insurance provides coverage for your whole life. It guarantees a death benefit and grows in cash value. It’s apt for those seeking lifelong coverage and a savings component.
  • Universal life insurance is a kind of permanent life insurance. You can choose how much to pay for premiums, death benefits, and growing savings.
  • Final Expense Insurance assists with funeral costs and other final expenses. It provides support to the family during a challenging period.
  • Short-term life insurance provides coverage for shorter durations, up to one year. It’s perfect for those who want immediate coverage without long-term commitments.
Life Insurance Quotes

When Should I Buy Life Insurance?

Life insurance is a tool that protects your loved ones when you die. Deciding whether to get life insurance depends on your personal situation. Major life events often make people think about buying a policy.

Major Life Events and the Importance of Life Insurance

Getting married, buying a new home, and having a baby make us happy. They also bring more money responsibilities. It’s during these times that the importance of life insurance becomes evident. Protect your family’s future and support them financially with a life insurance policy.

To know when to buy life insurance, understand how major life events impact your finances. If you’re getting married, buying a new home, or starting a family, think about life insurance. It can give financial security to your loved ones.

Life EventFinancial Considerations
MarriageMerging financial obligations
Buying a New HomeMortgage payments and household expenses
Expecting a BabyEducation costs, childcare expenses, general well-being

Which Life Insurance Policy Is Right for Me?

To choose the best life insurance, you need to understand each policy and how it fits your goals.

Type of Life Insurance PolicyWho Needs It
Term Life Insurance PolicyThis is good for people who only need coverage for a certain time, especially if they don’t have much money.
Whole Life Insurance PolicyPerfect for those desiring lifelong coverage, guaranteed death benefits, and cash value growth.
Universal Life Insurance PolicyIf you want flexibility in what you pay and what you get, this is a good choice. It also helps you save money.
Final Expense InsuranceIdeal for those focusing on covering funeral costs and other final expenses.
Short-Term Life InsuranceBest suited for those requiring immediate, temporary coverage without a long-term commitment.

Life Insurance Tips From Insiders

We have gained unique knowledge and experience over many years, and we want to share it.

  • Life insurance companies vary in how they underwrite medical conditions. Some companies focus on diabetes, while others prefer heart disease. A life insurance broker can help you find the best policy for your health conditions. Each company has its own rules.
  • Captive agents work for one insurance company and can only offer rates from that company. They cannot compare rates from different companies to find you the best quote.
  • If you need to take an insurance exam, scheduling it for the morning is best. Make sure to fast before the exam and drink plenty of water.
  • If a company has declined your application, it doesn’t mean all companies will. Choosing The Annuity Expert as your broker is helpful because we can search 50 companies for you.
  • If declined, there are alternative options available to pivot to. Burial Insurance, which is guaranteed, can assist in covering funeral expenses. If you want to leave money for your family, annuities with enhanced death benefits are a good option.


Comparing life insurance quotes is crucial when shopping for life insurance. To find the right life insurance, compare rates, medical guidelines, and policy types. Having the right life insurance provides peace of mind, ensuring your family’s well-being.

Need Help Buying Life Insurance?

Since 2009, The Annuity Expert has been an independent insurance agency. Our national producer number is 15524738. We specialize in helping people who have health conditions find life insurance. Our experts will help you increase your chances of getting coverage. They will guide you through the process. Just a heads up—applying for life insurance without a medical exam is risky. If you’re declined, you might have to wait two years before you can apply again.

Impaired Risk Life Insurance
Have You Been Declined Life Insurance Coverage Before?

Life Insurance Frequently Asked Questions

What is the purpose of having life insurance?

The main goal is to protect your dependents financially. This way, they can maintain their lifestyle and pay debts after you’re gone.

At what age should you get life insurance?

It’s a good idea to buy life insurance when you’re young. This way, you can get lower premiums and plan for the future.

Do I need life insurance?

If you have people depending on you financially, it’s smart to buy life insurance. This will safeguard your loved ones’ financial future.

What do I need to consider before buying life insurance?

Before you decide, think about what your dependents need and your budget.

Why should I buy my own life insurance policy?

When you buy your own policy, you have control over your financial security. You can customize the coverage to match your needs and circumstances.

Are there any medical exams required to purchase a life insurance policy?

Certain policies may require a medical exam to check your health and set your premium. Other policies don’t need an exam, but they might have higher premiums.

How does life insurance work when you die?

When the policyholder dies, life insurance gives money to the beneficiaries they chose. The tax-free payment can help dependents pay debts or cover funeral costs.

What is life insurance coverage?

Life insurance coverage refers to the financial protection provided to beneficiaries in the event of the insured person’s death. It offers a lump sum payout that can be used to cover funeral expenses, pay off debts, or provide for loved ones. Life insurance coverage can provide peace of mind and ensure financial stability for the future.

How do you compare life insurance rates?

When looking to compare life insurance rates, it’s important to consider factors such as age, health, and coverage amount. Online tools and insurance brokers can help individuals find the best rates for their specific needs. It’s advisable to gather quotes from multiple providers to ensure a comprehensive comparison.

Can you buy life insurance online?

Looking to buy life insurance online? You’re in luck! Many insurance providers now offer the convenience of purchasing life insurance policies through their websites. Simply visit their site, provide the necessary information, and compare quotes to find the best coverage for your needs. It’s never been easier to get the protection you deserve.

What are life insurance benefits?

Life insurance benefits are financial payouts provided to the designated beneficiaries upon the policyholder’s death. These benefits help ensure the financial security of the beneficiaries, covering expenses such as funeral costs, mortgage payments, and ongoing living expenses. Life insurance benefits serve as a safety net for loved ones left behind, providing peace of mind during difficult times.

How long do you pay for term life insurance?

The duration of term life insurance payments depends on the term length chosen by the policyholder. Common terms include 10, 20, or 30 years. If the insured individual passes away within the term period, the beneficiaries receive the death benefit. However, if the policyholder outlives the term, the coverage ends, and no further payments are required.

What is life insurance cash value?

Life insurance cash value refers to the amount of money that policyholders can access while they are still alive. It is the accumulated value of the policy over time, which can be borrowed against or withdrawn. The cash value grows tax-deferred and can serve as a financial resource for various needs, such as paying for education or supplementing retirement income.

What can life insurance agencies provide?

Life insurance agencies are companies that provide individuals with insurance policies to protect their loved ones financially in the event of their death. These agencies offer a range of policy options, including term life, whole life, and universal life insurance, and typically work with clients to determine the best coverage for their needs and budget.

Is their life insurance for seniors?

Life insurance for seniors is a type of coverage specifically designed for individuals aged 50 and above. It provides financial security for loved ones after the insured person’s death, helping with funeral expenses, debts, and estate planning. Seniors can choose from various types of policies, such as term life insurance or whole life insurance, to meet their specific needs and budget.

How do you find the best life insurance quotes?

Finding the best life insurance quotes is essential for individuals looking to protect their loved ones financially. By comparing multiple insurance providers, individuals can find affordable rates that meet their specific needs. It is recommended to research and request quotes from reputable companies to ensure the best coverage at the most competitive prices.

How do life insurance policies work?

Life insurance policies provide financial protection to beneficiaries in the event of the policyholder’s death. When a person buys a policy, they pay regular premiums to the insurance company. In return, the company promises to pay a death benefit to the beneficiaries upon the policyholder’s death. The amount of the benefit depends on factors like the policy type, coverage amount, and the person’s age and health.

Related Reading

Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed insurance agent and annuity broker with over a decade of first-hand experience. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

Scroll to Top