Compare Life Insurance Quotes & Policies
Compare life insurance quotes using MoneyGeek's analysis of rates, coverage options and customer satisfaction from major insurers.
Explore life insurance policies and get coverage with instant quotes.
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Compare Personalized Life Insurance Quotes Instantly
Compare life insurance quotes from top insurers in under a minute with our free calculator. Enter basic details like your age and coverage needs to see personalized rate estimates from companies like Transamerica, Allstate and Protective. Compare life insurance policies and coverage amounts with no personal information required.
Compare Top Life Insurance Companies
Finding the right life insurance company means balancing price, coverage options and customer service quality. We've analyzed rates, financial stability ratings and policy features from dozens of insurers to help you compare options quickly.
The most affordable policy isn't always the best choice. You will need to evaluate life insurance policies and compare more than just price to find the right coverage for your needs. The largest life insurers balance competitive rates with strong customer service and comprehensive coverage options. Compare life insurance companies using multiple factors including: premiums, policy types, coverage limits, application process and customer satisfaction ratings.
Compare Life Insurance Quotes by Policy Type
Life insurance isn't one-size-fits-all. Term policies work great for temporary needs like mortgage protection, while permanent policies build cash value you can access later. Your best choice depends on your budget, coverage timeline and financial goals.
Compare Term Life Insurance Rates
Term life insurance provides coverage for a set period, such as 10, 20 or 30 years, and pays a death benefit if the insured dies during that term. It's the most affordable option for temporary needs like income replacement or debt payoff. Explore average rates by coverage level from top insurers:
| Lincoln Financial | 20 years | $500,000 | 40 | Female | $31 |
| North American | 20 years | $500,000 | 40 | Female | $35 |
| Midland National | 20 years | $500,000 | 40 | Female | $35 |
| Protective Insurance | 20 years | $500,000 | 40 | Female | $37 |
| SBLI | 20 years | $500,000 | 40 | Female | $37 |
| Transamerica | 20 years | $500,000 | 40 | Female | $37 |
| CoreBridge | 20 years | $500,000 | 40 | Female | $38 |
| Legal & General | 20 years | $500,000 | 40 | Female | $38 |
| Principal National | 20 years | $500,000 | 40 | Female | $38 |
| Pacific Life | 20 years | $500,000 | 40 | Female | $39 |
* Rates shown are for non-smoking people of average height, weight and health. Your rates will vary based on your age, location, health status and lifestyle habits.
Compare Whole Life Insurance Rates
Whole life insurance offers lifelong coverage with fixed premiums and a guaranteed death benefit. It also builds cash value over time, which policyholders can borrow against for financial needs. While whole life costs much more than term life policies, it provides permanent protection with a savings component.
| Protective Insurance | 500000.0 | 40 | Female | 57,953.00% |
| North American | 500000.0 | 40 | Female | 58,941.00% |
| Midland National | 500000.0 | 40 | Female | 58,941.00% |
| Pacific Life | 500000.0 | 40 | Female | 62,994.00% |
| Columbus Life | 500000.0 | 40 | Female | 65,053.00% |
Compare Universal Life Insurance Rates
Universal life insurance combines lifetime protection with flexible premiums and adjustable death benefits. Its cash value grows based on interest rates set by the insurer, giving you more control than whole life but with variable returns tied to market conditions.
| Protective Insurance | 500000.0 | 40 | Female | $244 |
| North American | 500000.0 | 40 | Female | $248 |
| Midland National | 500000.0 | 40 | Female | $248 |
| Pacific Life | 500000.0 | 40 | Female | $265 |
| Columbus Life | 500000.0 | 40 | Female | $273 |
Factors That Impact Life Insurance Rates
Life insurance providers consider many factors when calculating the cost of life insurance, including coverage amount, term length, age, gender, lifestyle and health.
The coverage amount of a life insurance policy refers to the total death benefit. Higher coverage amounts increase premiums because insurers face greater risk. When you examine life insurance quotes, balance adequate coverage with affordable rates to fit your budget and financial goals.
The term length affects how long a policy stays in effect. Longer terms offer extended coverage, increasing the likelihood of a death benefit payout. This results in higher costs. Shorter terms come with lower premiums but offer limited coverage duration.
Younger individuals get more affordable life insurance rates. Age affects life insurance premiums more than any other factor. Younger applicants pay lower rates because they're less likely to face immediate health issues. Women pay less than men due to longer life expectancies, which spreads risk over more years.
Life insurance quotes for smokers are more expensive than nonsmokers. Smoking increases the likelihood of developing health complications and leads to shorter life spans. Life insurance for smokers costs more because of the increased risk of early death benefit payouts.
Your health directly impacts your life insurance rates. Insurance providers require applicants to undergo a medical exam to find their health rating. People in poor health or who have preexisting medical conditions face higher rates because of the increased likelihood of claiming the payout sooner. No medical exam life insurance is available and is a good option for younger applicants, but middle-aged and older applicants will find lower life insurance rates by getting a medical exam.
Insurance providers consider family health history to evaluate the potential hereditary health risks that affect a person's longevity and influence their probability of developing a disease. Any history of significant health issues in the family can lead to higher premiums.
How to Compare Life Insurance Quotes
When comparing life insurance, be sure to look beyond monthly premiums. Coverage terms, financial strength ratings and policy features all affect whether you're getting real value or just a low price that won't deliver when your family needs it most.
- 1Coverage amount and term length
Match the death benefit to your actual needs (income replacement, mortgage payoff, college costs) and choose a term that covers your dependents until they're financially independent. A $500,000 policy for 20 years costs less than $1 million for 30 years, but only one might actually protect your family. Use our life insurance coverage calculator to determine your needs.
- 2Financial strength ratings
Check AM Best, Moody's or Standard & Poor's ratings to verify the insurer can pay claims decades from now. Companies rated A+ or higher demonstrate the financial stability to honor policies long-term.
- 3Premium guarantees
Understand whether your rate is locked for the entire term or subject to increases. Level term policies maintain the same premium throughout, while annual renewable term policies increase each year.
- 4Conversion options
Look for term policies that let you convert to permanent coverage without a medical exam. This flexibility matters if your health changes or you decide you need lifetime protection.
- 5Riders and add-ons
Compare available policy riders and features like accelerated death benefits, waiver of premium, and child term riders. These add-ons cost extra but can provide valuable financial protection.
- 6Company reputation and service
Read customer reviews and check complaint ratios with your state insurance department. The cheapest company won't feel like a bargain if they delay claims or provide poor service when your family files.
Compare Life Insurance Companies: Expert Reviews
When looking at life insurance companies, look beyond just policy costs to find the best provider for your needs. Customer satisfaction ratings, financial stability and policy features all matter when choosing an insurer. MoneyGeek's detailed reviews let you examine life insurance companies side-by-side.
Compare Life Insurance Company Rankings
View life insurance companies across different coverage types and customer profiles with our specialized rankings. We evaluated insurers based on rates, coverage options, financial stability and customer satisfaction to help you find the best provider for your specific needs and circumstances.
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Compare Life Insurance Plans: FAQ
You may have questions while shopping for life insurance, searching for quotes and choosing the right coverage for you. Click on some of the most frequently asked ones below to learn more.
