Free Online Life Insurance Quotes

Shawn Plummer

CEO, The Annuity Expert

Compare And Save On The Best Life Insurance Quotes In Minutes

We’ll compare life insurance quotes to help you find the best options for your needs. We will cover some of the factors that go into deciding which policy is right for you and what companies offer the strongest coverage at a fair price. When comparing life insurance quotes, the first thing to do is narrow down your choices by considering whether or not you would prefer a term or permanent life policy. Term policies are less expensive, but they last much shorter (typically 10-30 years) than whole life policies, costing more upfront but providing lifelong coverage.

Shop and compare life insurance rates between:

  • Term life insurance quotes
  • Universal life insurance quotes
  • Whole life insurance quotes
  • Burial life insurance quotes
  • Mortgage protection insurance quotes

Compare Life Insurance Quotes Instantly

Shop life insurance quotes without sitting down with an insurance agent or receiving phone calls, and apply in 10 minutes.

Find The Best Life Insurance Coverage At The Cheapest Cost!

Compare life insurance quotes from 25 companies in seconds. Then, apply for coverage in less than 10 minutes.

Life Insurance Quotes With No Medical Exam

If you have a pre-existing medical condition or seniors over the age of 55, applying for coverage without a medical exam is a good place to start because it reduces the risk of being declined for coverage.

Find Life Insurance Coverage For Pre-Existing Medical Conditions

Apply for affordable life insurance with no medical exams. Then, apply for same-day coverage in less than 10 minutes.

How To Shop Life Insurance Quotes And Applying For Coverage

Life Insurance Quotes

When shopping quotes, understand that life insurance isn’t only for leaving an inheritance for your beneficiaries. You can supplement a retirement income in the future, pay for long-term care, protect a mortgage, and pay for funeral expenses. Below is a step-by-step guide on how to compare quotes and apply for coverage without sitting down with an insurance agent.

  1. Enter your personal information.
  2. Select what you’d like to accomplish such as provide a death, supplement a retirement income, pay for long-term care, and more.
  3. Compare premium rates and select from the best insurance companies such as AIG, Gerber Life, Prudential, Colonial Penn, Transamerica, Banner Life, and more.
  4. Once a policy is selected, the application process will begin via DocuSign.
  5. After the application is completed and submitted, a medical exam will be ordered (if applicable) by the insurance company, and technician will coordinate with your schedule and location of choice.
  6. Once the results come back from the exam (if applicable), a policy will be mailed to you, and you start funding the policy.
  7. That’s it! Now you have life insurance coverage!

What Is Life Insurance?

A life insurance policy is a contract with an insurance company. In exchange for regular payments, they will pay out a lump sum tax-free money after your death to the people you choose as beneficiaries — usually children, spouse, or other family members. Life insurance is an important safety net to cover anyone who relies on you financially, giving you peace of mind. Money from life insurance can be used to pay off debts, such as a mortgage. It can also replace your income and provide money for college tuition.

Do I Need Life Insurance?

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Types Of Life Insurance

There are two types of life insurance: term and permanent. There are different policies within these two categories that you can buy, including universal and whole life insurance.

Term life insurance

Term life insurance covers a limited time period, ranging from 10 to 40 years. You only get the money if you die within those years. When the term ends, you can buy a new policy or reassess your options. Compare term life insurance quotes below.

Permanent life insurance

Permanent life insurance coverage lasts a lifetime. Term life insurance costs less, but you can’t borrow against it. Permanent life insurance is more expensive, but you can take out loans. Whole life is the best-known form of permanent life insurance. Other types include universal, variable and variable universal. Compare permanent life insurance quotes below.

What Kind Of Life Insurance Do You Need?

Term life insurance is cheaper than permanent insurance, and you can choose the term that matches how long you need it for. Most people stop needing life insurance after some time because they have paid down their house and are older.

A term life insurance policy is a good idea for most families. If you don’t have any problems, you can buy term life insurance without a medical exam online. Online life insurance is available to healthy people and may ask questions about their health history.

Permanent life insurance is useful if you want to make sure that your heirs have money in the future. You can also use it to spend your retirement savings and still leave some money for final expenses.

The Average Cost Of Life Insurance

The cost of life insurance depends on many factors. One factor is how old you are and the coverage amount you’re seeking. Another is what your health is like and how long the policy will last. The average cost for life insurance is $30 a month for a 20-year term, but this can change depending on many factors that affect your monthly costs.

What Are The Different Health Classifications?

In life insurance, there are four different classifications. They determine how much it costs to get a life insurance policy.

  • Preferred Plus
  • Preferred
  • Standard Plus
  • Standard

Substandard or table ratings are a broader category that includes people who don’t match any other classification.

Most companies have a category just for people who smoke.

Preferred Plus

This is the best health rating. You are in good health. You have a good height-to-weight ratio, and your family history is healthy too.

Preferred

Outside of a few minor details, you are in very good health. Of course, you will not get the same rate as someone with Preferred Plus coverage, but it is still better than third place.

Standard Plus

You are in good health, but you might have a few things you need to keep an eye on. Your height-to-weight ratio does not fall into the range that insurance companies want for Preferred insurance plans, so you may have to pay more. The family history is also good.

Standard

You have a less ideal height/weight ratio, an average life expectancy, or your medical exam came back with a few flags. In this class, you will see higher life insurance premiums, but you can still get insured.

Table ratings

Your health history is complicated, and you might have had some recent health problems.

Apply For Life Insurance While You’re Young.

Life insurance companies use your life expectancy to set the price. So anything that could shorten your life expectancy can make the insurance more expensive.

Buy a life insurance policy when you are young and healthy. If you wait, your rates will go up just because of your age. And if new health problems arise, they can go up even more.

You can still get life insurance if you have a medical condition, like diabetes or high blood pressure. Life insurance companies will vary in how they view your pre-existing conditions. Some types of life insurance do not require a medical exam.

How To Buy Life Insurance

Calculate how much life insurance you need

It would be best if you thought about your family’s needs and priorities when buying life insurance. You need to think about how much it will cost to pay off any debts you have, or if your family might not earn enough money to buy things they need. Think about if you want the money for a college education for your children.

Some life insurance comes from your job in their health benefits package. But usually, it is not enough to cover your family’s needs if you die, and it ends when you leave the employer. However, you can buy more life insurance that will continue even if you leave your job.

You can use a life insurance calculator to help you figure out how much life insurance you need. They will ask about your debt and your income.

Research life insurance companies

If you buy life insurance, you want the company to pay a claim many years in the future. But, unfortunately, the biggest companies have a long history of paying claims.

Some rating agencies like A.M. Best and Standard and Poor’s tell us if an insurance company is strong or not. So we should avoid those with a rating of B or lower.

Many different companies sell life insurance. If you want a specific type of coverage, make sure you read reviews and know what you want before comparing life insurance quotes.

Prepare for the application process

To buy life insurance, you need to have information about your health, family’s health, and driving record. Most insurance companies utilize a MIB report to research your medical history.

It would help if you chose beneficiaries. Beneficiaries are the people who will get your money when you die. So you should have their Social Security numbers and ages when you do apply.

You may have to answer questions about criminal convictions and driving violations, such as a suspended driver’s license or DUI. For example, if you were in an accident within the past few years, you might be asked about it.

The Best Place To Get Life Insurance Quotes

The Annuity Expert is one of the best places to get life insurance quotes. Why? Because the rates are the cheapest in the United States. To save on a life insurance policy, compare the quotes from different companies. You might think you’re getting the best deal, but there may be an even better one out there. If you’re not sure what to look for in a plan, talk to an expert.

In most scenarios, our coverage costs are cheaper than:

Find The Best Life Insurance Coverage At The Cheapest Cost!

Compare life insurance quotes from 25 companies in seconds. Then, apply for coverage in less than 10 minutes.

Find Life Insurance Coverage with No Medical Exams

Apply for affordable life insurance with no medical exams. Then, apply for same-day coverage in less than 10 minutes.

Frequently Asked Questions

Do life insurance quotes affect credit scores?

No, comparing life insurance quotes does not affect credit scores. Applying for coverage should not affect credit scores.

How do I get life insurance quotes?

Either contact a life insurance agent or compare quotes online.

How do I get the cheapest life insurance?

Term life insurance is the cheapest coverage. Compare life insurance quotes online, and select the policy with the lowest premiums.

Which companies provide life insurance quotes for applicants over age 50?

Applicants over age 50 can compare quotes from AIG, Banner, Protective, Pacific Life, Lincoln Financial, Transamerica, John Hancock, Nationwide, and Prudential.

Can I get life insurance quotes without phone calls?

Yes, you compare life insurance quotes here without a single phone call from an insurance agent.

Can I get a life insurance quotes without personal information?

There are four easy steps you need to take when comparing life insurance quotes on annuityexpertadvice.com:

  1. Enter basic information (anonymously)
  2. Choose your coverage and price
  3. Answer a few simple health questions
  4. Compare life insurance quotes

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

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

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