Compare Life Insurance Quotes & Companies
Compare life insurance quotes with confidence using MoneyGeek's analysis of thousands of quotes, ratings, and reviews of the top life insurance providers.
Compare life insurance policies and get coverage with instant quotes.
Advertising & Editorial Disclosure
Compare Life Insurance Quotes by Affordability & Ratings
Compare life insurance quotes from hundreds of thousands of data points our research team analyzed from major providers. Compare life insurance policies side-by-side using our rate data, and compare life insurance companies based on coverage options, customer satisfaction and financial strength.
Compare life insurance policies beyond just price to find the right coverage for your needs. The most affordable policy isn't always the best choice. Top insurers balance competitive rates with strong customer service and comprehensive coverage options. Compare life insurance companies using multiple factors: premiums, policy types, coverage limits, application process and customer satisfaction ratings.
Compare Personalized Life Insurance Quotes Instantly
Compare life insurance quotes from top major insurers in under a minute with our free estimator. 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.
Our tool shows you suggested coverage amounts, premium estimates for term life policies, and how your profile affects life insurance rates.
Compare Life Insurance Quotes
We’ll give you a suggested amount of cover to buy in just 3 easy steps. — it's free, no personal information required, no spam.
Rates updated:
Aug 23, 2025
Compare Life Insurance Quotes by Policy Types
Compare life insurance policies by coverage amount and type to understand how these factors affect your premiums. Coverage levels determine your beneficiaries' payout, while policy duration impacts costs. Permanent life insurance costs more than term policies because of lifelong coverage and cash value features.
Compare life insurance quotes below to see average monthly premiums across different coverage amounts and policy types.
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. Term life is the most affordable and popular option for temporary coverage needs, making it ideal for replacing income or paying off debts. See the average cost of life insurance quotes by coverage level below.
| $100,000 | $11 | $131 |
| $150,000 | $16 | $189 |
| $200,000 | $19 | $223 |
| $250,000 | $19 | $229 |
| $300,000 | $22 | $256 |
| $350,000 | $22 | $267 |
| $400,000 | $28 | $325 |
| $450,000 | $28 | $332 |
| $500,000 | $33 | $382 |
| $550,000 | $29 | $356 |
| $600,000 | $40 | $460 |
| $650,000 | $34 | $415 |
| $700,000 | $43 | $307 |
| $750,000 | $48 | $581 |
| $800,000 | $52 | $599 |
| $850,000 | $44 | $534 |
| $900,000 | $58 | $666 |
| $950,000 | $49 | $594 |
| $1,000,000 | $62 | $714 |
| $1,250,000 | $64 | $771 |
| $1,500,000 | $92 | $1,051 |
| $2,000,000 | $121 | $1,383 |
| $2,500,000 | $164 | $936 |
| $3,000,000 | $180 | $2,060 |
**Rates shown reflect MoneyGeek's analysis of term life quotes from major life insurance providers for a 40-year-old male nonsmoker with average health ratings. When you compare life insurance quotes for your specific situation, rates will vary based on personal factors and insurer underwriting guidelines.
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. When you compare life insurance policies, whole life appeals to those seeking permanent coverage with a savings component, though it costs more than term life insurance.
| $50,000 | $67 | $801 |
| $100,000 | $133 | $1,602 |
| $150,000 | $200 | $2,403 |
| $200,000 | $267 | $3,203 |
| $250,000 | $334 | $4,004 |
| $300,000 | $400 | $4,805 |
| $350,000 | $467 | $5,606 |
| $400,000 | $534 | $6,407 |
| $450,000 | $601 | $7,208 |
| $500,000 | $667 | $8,009 |
| $550,000 | $734 | $8,809 |
| $600,000 | $801 | $9,610 |
| $650,000 | $868 | $10,411 |
| $700,000 | $934 | $11,212 |
| $750,000 | $1,001 | $12,013 |
| $800,000 | $1,068 | $12,814 |
| $850,000 | $1,135 | $13,615 |
| $900,000 | $1,201 | $14,415 |
| $950,000 | $1,268 | $15,216 |
| $1,000,000 | $1,335 | $16,017 |
| $1,500,000 | $2,002 | $24,026 |
| $2,500,000 | $3,337 | $40,043 |
**Rates shown reflect MoneyGeek's analysis of whole life quotes from major life insurance providers for a 40-year-old male nonsmoker with average health ratings. When you compare whole life insurance quotes for your specific situation, rates will vary based on personal factors and insurer underwriting guidelines.
Compare Universal Life Insurance Rates
Universal life insurance combines lifetime protection with flexible premiums and death benefits. It also has a cash value component that grows based on credited interest rates, offering more adaptability than whole life insurance. When you compare life insurance policies, universal life appeals to those who want permanent coverage with investment flexibility and the ability to adjust premiums and death benefits over time.
| $50,000 | $29 | $353 |
| $100,000 | $59 | $706 |
| $150,000 | $88 | $1,058 |
| $200,000 | $118 | $1,411 |
| $250,000 | $147 | $1,764 |
| $300,000 | $176 | $2,117 |
| $350,000 | $206 | $2,470 |
| $400,000 | $235 | $2,822 |
| $450,000 | $265 | $3,175 |
| $500,000 | $294 | $3,528 |
| $550,000 | $323 | $3,881 |
| $600,000 | $353 | $4,234 |
| $650,000 | $382 | $4,586 |
| $700,000 | $412 | $4,939 |
| $750,000 | $441 | $5,292 |
| $800,000 | $470 | $5,645 |
| $850,000 | $500 | $5,998 |
| $900,000 | $529 | $6,350 |
| $950,000 | $559 | $6,703 |
| $1,000,000 | $588 | $7,056 |
| $1,500,000 | $882 | $10,584 |
| $2,500,000 | $1,470 | $17,640 |
**The above life insurance rates are based on MoneyGeek's analysis of universal life insurance quotes from major life insurance providers for a 40-year-old male nonsmoker with an average health rating. Individual quotes may vary significantly based on personal factors and insurer underwriting.
Why Trust MoneyGeek? We analyzed 248,399 life insurance quotes alongside customer satisfaction ratings, financial stability reports, product offerings and more to determine the best life insurance companies for a variety of needs.
Coverage costs and company information for life insurance providers were updated in 2025.
Compare Life Insurance Rates by State
Compare life insurance rates by state to understand how location affects your premiums. State regulations, mortality rates and cost of living create rate variations across the country. Find your state below to see average monthly rates for different ages and coverage amounts and compare options in your area.
| Alabama | $16 | $21 |
| Alaska | $20 | $23 |
| Arizona | $30 | $39 |
| Arkansas | $24 | $30 |
| California | $20 | $25 |
| Colorado | $20 | $25 |
| Connecticut | $12 | $15 |
| Delaware | $17 | $23 |
| Florida | $16 | $20 |
| Georgia | $27 | $35 |
| Hawaii | $16 | $22 |
| Idaho | $24 | $32 |
| Illinois | $19 | $23 |
| Indiana | $27 | $33 |
| Iowa | $27 | $35 |
| Kansas | $28 | $37 |
| Kentucky | $14 | $18 |
| Louisiana | $28 | $35 |
| Maine | $15 | $19 |
| Maryland | $12 | $14 |
| Massachusetts | $15 | $21 |
| Michigan | $17 | $21 |
| Minnesota | $18 | $22 |
| Mississippi | $27 | $32 |
| Missouri | $16 | $20 |
| Montana | $15 | $19 |
| Nebraska | $16 | $21 |
| Nevada | $18 | $22 |
| New Hampshire | $11 | $13 |
| New Jersey | $13 | $15 |
| New Mexico | $23 | $28 |
| New York | $11 | $13 |
| North Carolina | $16 | $21 |
| North Dakota | $28 | $37 |
| Ohio | $16 | $21 |
| Oklahoma | $25 | $32 |
| Oregon | $10 | $13 |
| Pennsylvania | $17 | $21 |
| Rhode Island | $9 | $11 |
| South Carolina | $16 | $20 |
| South Dakota | $24 | $33 |
| Tennessee | $17 | $21 |
| Texas | $30 | $37 |
| Utah | $17 | $21 |
| Vermont | $16 | $20 |
| Virginia | $20 | $23 |
| Washington | $22 | $27 |
| West Virginia | $15 | $19 |
| Wisconsin | $17 | $22 |
| Wyoming | $18 | $22 |
Factors That Can Impact Life Insurance Rates
Life insurance providers consider various factors when calculating the cost of life insurance, including coverage amount, term length, age, gender, lifestyle and health. Learning more about these elements can help you make an informed decision.
Coverage amount
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 compare life insurance quotes, balance adequate protection with affordable premiums to fit your budget and financial goals.
Term length
The term length determines 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.
Age and gender
Younger individuals get more affordable life insurance costs. 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.
Smoking status
Quotes for smokers are more expensive than nonsmokers. Smoking increases the likelihood of developing health complications and may lead to shorter life spans. Life insurance for smokers costs more because of the increased risk of early death benefit payouts.
Overall health
The applicant's overall health directly influences their life insurance quote. In many cases, insurance providers require applicants to undergo a medical exam to determine their health rating. Those 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.
Family health history
Insurance providers consider family health history to evaluate the potential hereditary health risks that might affect a person's longevity and determine their probability of developing a disease. Any history of significant health issues in the family can lead to higher premiums.
Compare Life Insurance Company Reviews
Compare life insurance companies beyond just premium costs to find the best provider for your needs. Customer satisfaction ratings, financial stability and policy features all matter when choosing an insurer. See MoneyGeek's detailed reviews below to compare life insurance companies side-by-side.
Compare Life Insurance Companies Rankings
Compare 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.
MONEYGEEK EXPERT LIFE INSURANCE RANKINGS
Compare life insurance rankings by policy type and buyer profile:
- Best Universal Life Insurance Companies
- Best No-Exam Life Insurance Companies
- Best Guaranteed Acceptance Life Insurance Companies
- Best Final Expense Insurance Companies
- Best Single-Premium Life Insurance Companies
- Best Life Insurance Companies for Young Adults
- Best Life Insurance Companies for Children
- Best Life Insurance Companies for Parents
- Best Family Life Insurance Companies
Compare the top providers for certain health conditions.
How to Compare Life Insurance
Shopping around helps you find the cheapest and best plans. MoneyGeek outlined key steps you can take to find the right life insurance policy for your coverage needs.
- 1
Consider your needs.
To accurately assess how much life insurance you need, consider all the expenses you want your policy to cover. Depending on your circumstances, you may want to have coverage for income replacement, debt repayment, funeral costs, and/or retirement funding. After determining your financial obligations, subtract any existing assets to find the right coverage amount.
- 2
Choose the right type of policy.
Find the most suitable policy for your needs. A term life insurance plan offers coverage for a specified term, usually anywhere from one to 30 years, with a few companies offering a 40-year term policy. Once the term policy expires, you can either renew it, convert it to a permanent policy, or allow it to terminate.
If you prefer lifelong coverage, a permanent policy may be right for you. This type of policy also offers a cash value benefit, which you can access while you're alive. Permanent life insurance, such as whole life insurance and universal life insurance, usually costs more than term plans.
- 3
Research average costs and discount opportunities.
Explore average costs for the coverage level and type of policy you want. You can start by looking at annual or monthly premiums. This will give you an idea of how much your policy may cost.
Look for different discounts that can save you money. These may differ by company, so check with multiple providers. Understanding the factors that affect premiums, like age, health and lifestyle, can also help you identify potential savings.
- 4
Find out which providers may be best for you.
Research and compare life insurance companies to determine which best aligns with your financial profile and coverage needs. Consider the cheapest and best providers based on your profile.
To get started, use online life insurance calculators and tools to estimate premiums tailored to your age, health status, and insurance requirements to find the most affordable options.
- 5
Get multiple provider quotes from different avenues.
Compare personalized quotes from at least three different companies to find the provider with the coverage you need at a price you can afford. Make sure you're getting quotes for the same coverage amount, term length, and type of policy. Consider different avenues, such as online brokers, direct insurance companies, and local agents, to see how quotes may vary and get the most favorable rates.
Review the policy offers and look at other fees or costs that might be involved. Compare policy provider ratings too. We recommend favoring carriers with high financial strength ratings.
Compare Life Insurance Plans: FAQ
You may have questions during the process of shopping for life insurance, comparing quotes and choosing the right coverage for you. Click on some of the most frequently asked ones below to learn more.
