How much is life insurance?

Getting life insurance has never been easier. Get instant quotes and compare rates instantly from dozens of the best life insurance companies.

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We’ll find you the best life insurance policy at the best rate. No Medical Exam Life Insurance? Traditional term life? We have it all. So how much is life insurance? Get started by running instant life insurance quotes.

find you the best life insurance policy at the best rate
how much is term life insurance

The best life insurance companies

 

These are just a few of the top rated life insurance companies we use in order to get you the best policy available.

BEST LIFE INSURANCE COMPANIES
Save up to 73% on your life insurance policy

The easy way to buy life insurance

Simply click any of the “Get Quotes” buttons found throughout our website. Start shopping by getting unlimited free instant life insurance quotes.

How much is life insurance going to cost you? Compare rates from over 40 of the best rated and most affordable life insurance companies in the marketplace.

Apply conveniently online and over the phone with your dedicated & licensed Life Insurance Blog agent. We help your from application to approval.

Licensed Independent Life Insurance Agents

Work with real life insurance experts. We’re independent which means we shop from multiple companies so you’re not stuck with just one.

We’ll handle everything from beginning to end.

Life Insurance 101

Don’t know where to begin? Start with our life insurance learning center.

We’ve helped thousands of shoppers compare rates & shop online

We’ve helped thousands of shoppers compare rates & shop online

We’ll help you just like the thousands of other shoppers who use Life Insurance Blog.

If you’re looking to get the best life insurance policies at the best price you’re in the right place.

HAPPY LIFE INSURANCE CUSTOMERS

How are we compensated since our service is always free?

Prices are the same no matter if you buy direct or with an agent. Life Insurance Blog agents are paid commissions on any of the policies that are sold. We shop from over 40 companies to find the best life insurance policies available for you & you’ll never get pressured to buy.

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Protect your family with the top companies at the best price.

Did you know that rates are fixed by law?

You won’t save one penny if you buy directly from the life insurance company.

Rates are fixed by law and will be the same if you buy direct or from a broker like Life Insurance Blog.

We save you money because we don’t shop with only one company. We have access to dozens of the top life insurance companies.

Fast insurance

Do you need a policy soon? Our No Exam options can get you covered fast!

Best prices

Get the lowest rates available right in one place- you don’t have to shop anywhere else.

More choices

We have all the best life insurance companies here- Over 40 top rated companies to choose from.

Easy application

Our application is simple and convenient. Everything is online & over the phone.

Your choice of dozens of life insurance companies

We’ll always get you the best price because we have more “A” rated companies than the competition.

Life Insurance CompanyA.M. BestS&PMoody'sFitch
Life Insurance CompanyA.M. BestS&PMoody'sFitch
5StarA-N/AN/AN/A
AAAA-N/AN/AN/A
AARPN/AN/AN/AN/A
AllstateA+A+A1N/A
American GeneralAA+A2A+
AmericoAN/AN/AN/A
American National ANICOAAN/AN/A
AssurityA-N/AN/AN/A
AXA EquitableA+A+Aa3AA-
BannerA+AA-N/AAA-
Costco Life InsuranceA+AA-A2A+
Fidelity LifeA-N/AN/AN/A
ForestersAN/AN/AN/A
Guardian LifeA++AA+Aa2AA+
GEICOA++AA+N/AN/A
GenworthA-BBB-Baa1N/A
GerberAAN/AN/A
Globe LifeA+N/AN/AAA-
Haven LifeA++AA+Aa2AA+
John HancockA+AA-A1AA-
ING ReliastarAAA2A
Liberty Bankers LifeB++N/AN/AN/A
Lincoln FinancialA+A+Aa2AA+
Mass MutualA++AA+Aa2AA+
MetLifeA+AA-Aa3AA-
Midland National A+A+N/AA+
Minnesota LifeA+A+AAAA-
Mutual of OmahaA+A+A1N/A
National Life GroupAA+A2N/A
NCEB++N/AN/AN/A
NationwideA+A+A1N/A
New York LifeA+AA-Aa3AA-
North AmericanA+A+N/AN/A
Pacific LifeA+AA-A1A+
Primerica LifeA+N/AN/AN/A
Principal LifeA+A+A1AA-
ProgressiveA+AAAa2AA
ProtectiveA+AA-A2A+
PrudentialA+AA-A1A+
SagicorA-N/AN/AN/A
SBLIAA-N/AN/A
State FarmA++AA+Aa1AA
SymetraAAA3A
TransamericaA+AA-A1A+
United Home LifeA-N/AN/AN/A
Vantis LifeA-BBB+N/AN/A
William PennA+N/AN/AN/A

Instant Life Insurance Quotes

Compare life insurance rates online with our free instant life insurance calculator. You’ll be able to compare rates from the best life insurance companies and find the best deal based on your age and health.
instant life insurance quotes
life insurance application

Easy Online Application

Apply easily online or over the phone with dozens of the best rated companies. Have peace of mind because we’ll shop your policy if your final rate happens to be different than the applied rate.

Not sure where to start?

Start here with our most popular life insurance topics

Life insurance types

Term life, Whole life, Universal life? Find out what life insurance type is best for you.

What type for you?

Find out the differences, pros, and cons of every type of life insurance before you buy.
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Life insurance companies

Learn and read reviews on the Top 10 life insurance companies in the USA.

Not all are created equal!

Every company will look at you differently. Some are more strict with their underwriting. Some have more options and features.
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Life insurance rates by age

Looking for the average cost of life insurance for your age or curious how much insurance costs?

Age and Cost of Insurance

Your age is a major factor in how much you'll pay. We calculated sample rates for every age.
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Life insurance with or without a medical exam!

We offer you every solution to meet every need. No matter if your goal is the lowest price, convenience, or getting approved as quickly as possible. We have every option covered! How much is life insurance? Let’s find out!

  • Typically takes 6-8 weeks from application to approval.
  • Face Amounts are from $25,000 – $5 Million +
  • Great for:
    • Healthy applicants
    • High Risk applicants
    • Budget minded

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  • Fast approval times:
  • Approved anywhere from instantly – 4 Weeks (Depending on the company)
  • Smaller benefit amounts compared to Term with Medical Exam
  • Most No Exam companies have a $400,000 – $500,000 maximum.
  • There is a company that provides a $1 Million No Exam policy, but you must be very healthy to qualify.

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  • Also known as GUL and “Lifetime Term”
  • GUL is permanent life insurance. It is not term life.
  • GUL can provide you lifetime coverage that is less expensive than other permanent products.
  • You can buy coverage to ages: 90, 95, 100, or 121
  • Great alternative to more expensive permanent products like Whole Life.
  • GUL is not good for cash value. It is made for life insurance coverage.

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  • Most Whole Life policies require a medical exam.
  • The exception is with Final Expense whole life.
  • Final Expense policies do not require a medical exam.
  • Whole Life provides cash value growth
  • Benefit amounts range from $50,000 – $1 Million+

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  • Final Expense policies are typically offered in 2 forms: a
    • Simplified Issue application [Answer questions to qualify] and a
    • Guaranteed Issue option[No health questions].
  • Final Expense is a great No Medical Exam policy for smaller death benefits
  • Coverage amounts can range from $5,000 up to $50,000.
  • The biggest difference between Burial Insurance and Final Expense:
    • Final expense insurance includes final expenses as well as the burial costs.
    • Burial insurance is strictly paying for the funeral and nothing else. Learn more and read about the Top 10 Burial Insurance companies.

LEARN MORE