Get affordable life insurance & get instant quotes from “A Rated” life insurance companies. Compare online and select from Term Life, Guaranteed Universal Life (also known as “Lifetime Term”), and Non Medical Exam options.

You can even apply online.

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Affordable Life Insurance + Instant Quotes
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Simple Solutions

We speak with people everyday who are overwhelmed with the life insurance buying process. We make it simple. We’ll take the time to get you understand your situation, provide you all the quotes and options that you qualify for, help you apply, and update you all the way to your approval. We even make sure your policy is the best rate after your approval.

Compare Online Life Insurance Quotes Instantly

1. Run Quotes

Use our exclusive free Quote Engine to compare instant online term life insurance quotes from over 60 of the country’s top life companies. Find rates on Non-Medical exam and Instant Issue policies too!

2. Choose Policy

Once you have ran your online life insurance quotes it’s easy to choose a policy and the price you like from over 60 carriers. We are impartial about which life insurance carrier you choose.

3. Apply Online

Apply directly online, & get your own personal independent life insurance agent who’ll assist you at every step. We help make sure you can qualify for the best rates before you try to buy, saving you time & giving you peace of mind.

Superior Technology

The Most Powerful Life Insurance Quote Engine

Our Quote Engine will find you the best rates for life insurance.  We show you every price, from over 60 of the top life insurance companies, for every available rate class.  No other resource finds you as many quotes. You’ll find it impossible to find cheaper online life insurance quotes.

Comparing Is Simple

Get apples to apples comparisons from over 60 of the best term life insurance companies. Make an informed decision based on term length, death benefit, and price. Don’t want a medical exam? No problem, we have it covered. Your options are limitless.


Life insurance with a medical exam is typically the least expensive policy available.  This is a great option for those who are in good health or have only minor health conditions.


Life insurance without a medical exam is pricier, but is beneficial for many people.  It is a great option for those who want convenience, don’t like needles and want their policy approved quicker.


In less than 15 minutes, you can secure your future with an instant issue life insurance policy.  Answer a few qualification questions and you can get up to $150,000 in coverage to age 100!

No Medical Exam Life Insurance

The convenient and quicker way to secure life insurance. Don’t like needles? Is a medical exam inconvenient? Luckily there are many companies that offer a non-medical option.

Non-Med Pros & Cons


How can you get me the best rate?

How to find affordable life insurance + Instant quotes

We are an independent life insurance agency. We represent over 60 of the highest rated term life insurance companies. By using our life insurance quote tool you will be able to see which companies have the best term life insurance rates. highest rated term life companiesYou will also see the A.M Best Rating for each company, so that you know you are comparing term rates from top rated life insurance companies. Unlike other insurance websites that sell your information and get you bombarded with phone calls, at the LifeInsuranceBlog you are coming direct to the source. We are independent agents and don’t sell or share your information with anyone. When you choose us for your life insurance needs we guarantee that our prices can not be beat and you will find the best term quotes on our website. In addition to getting quotes on our site you can call us at 888-411-1329, or chat with a live agent right on the site.

How are you different than my local agent?



Our Expertise

Our expertise is in helping match you with the right life insurance company for you. Since life insurance companies have different guidelines for how they price someone for life insurance, you want to choose the highest rated company that will offer you the best rate.understand life insurance guidelines For example while one life insurance company may not offer you their best rates based on your cholesterol levels, another company may offer you their best rate since they have more flexible guidelines. Our goal is to find the right company for your situation. We are experts in understanding life insurance company guidelines and knowing which company will offer you the best term life insurance rates. Let us do the research for you.  We’ll present you with all your options and let you know the best companies available for your budget, goals, and health.

Where do I start?

How To Buy a Term Life Insurance Policy on on our site.

We make the process of buying a term life insurance policy quick, convenient and easy. First, use our instant life insurance quote tool to get term life insurance rates from more than 60 life insurance companies. how to buy term life insurance onlineOnce you receive the results from our quoter, review the term life rates and choose the life insurance company you would like to apply with. Then simply click on request application or call us at 888-411-1329. Once we receive your application request, one of our agents will call you to complete the life insurance application over the phone. Once completed you will be able to sign your application online with an electronic signature. No agents have to come into your home.  Shop when it’s convenient for you. If a medical exam is required we will also schedule a paramedic to come to your home or office for an exam at no charge to you. Once approved, your policy will be emailed and mailed to you and your life insurance policy will be in force.

What if I don't want a medical exam?

No Medical Exam Life Insurance

non med exam life insuranceWe specialize in term life insurance policies both with a medical exam and without a medical exam.  No Medical Exam life insurance policies are available for up to $250,000 of coverage.

You will typically pay a little more than a fully underwritten term life plan that has a medical exam.

However, there are those that don’t mind the added cost due to its convenience. With a no medical exam policy you can have coverage in less than 24 hours.  If you need a life insurance policy quickly, or simply don’t want to have a medical exam done then we have several term life insurance companies that offer no medical exam policies.

What if I have health issues?

High Risk Life Insurance

We also specialize in high risk life insurance. If you have been previously declined for life insurance it doesn’t mean you can’t qualify for coverage. We are impaired risk specialists and offer various types of coverage if you are considered high risk. high risk term life insurance

We have had success helping Type 1 and Type 2 Diabetics get approved for coverage. We have also helped individuals with a history of cancer and heart disease, as well as people suffering from Multiple Sclerosis, Hepatitis C, Crohn’s Disease, and other conditions that you may have been declined for.

We evaluate your situation and tell you which options are available to you. Whether it’s a regular life insurance policy,a simplified issue, or guaranteed issue policy. We have been able to help many people who were previously declined for life insurance get approved for coverage.

If you want to get term life quotes use our instant quote tool. If you would like to discuss a high risk life insurance policy or any of the best term life insurance companies we represent, call us at 888-411-1329. By: Michael Quinn

Pre Existing Health Conditions?

Are you wondering if a certain condition will eliminate you from qualifying for life insurance? Be sure to check our page of Pre Existing Health Conditions.  We are constantly adding articles on health conditions and how they relate to life insurance.  Don’t see a health condition listed?

Call us at 1-888-411-1329 and we’ll be happy to help answer your questions and provide you information on how to secure coverage.

Communicate With a Real Person

Shop 24 hours a day on our site.  Talk with me, a licensed independent agent, when you’re ready to apply.  Call me at 1-888-411-1329 and ask me any question before you finalize your life insurance decision. Prefer to communicate via email? No problem. Send me an email to I’m here to help make this as convenient as possible for you.

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