Life insurance · all 50 states
Life insurance built around the people who count on you.
Compare term, whole, final expense and indexed universal life from multiple top-rated carriers. A licensed agent helps you pick the right type and amount — then shops it across carriers for the lowest price we can find for your health.
- No-exam options
- Fast approvals available
- Free, no-obligation quotes
Types of life insurance
Which kind of life insurance is right for you?
Most popular
Term life
Affordable coverage for a set period — 10, 20 or 30 years. Best for replacing income while kids are home or the mortgage is big.
Permanent
Whole life
Lifetime coverage with fixed premiums and guaranteed cash value growth. Costs more than term, but never expires as long as premiums are paid.
Ages 50–85
Final expense
Smaller whole life policies, often $5,000–$50,000, for funeral and end-of-life costs. Simplified underwriting and usually no exam.
Final expense options →Permanent + cash value
Indexed universal life (IUL)
Lifetime coverage with cash value credited based on a market index, with a floor against index losses and a cap on gains.
How IULs work →Fast approval
No-exam life insurance
Approval based on health questions and data checks — no needles or nurse visit. Some carriers offer $1M or more.
Homeowners
Mortgage protection
Life coverage sized to your home loan so your family can keep the house.
Protect your home →How much coverage
How much life insurance do you need?
A quick way to estimate is the DIME method: add up Debt, Income, Mortgage and Education, then subtract savings and existing coverage. The calculator below also adds final expenses and lets you choose how much to cover.
Debt
Car loans, credit cards, personal loans
Income
Your annual income × the years your family would need it
Mortgage
The remaining balance on your home
Education
Future college or trade school costs
Life insurance calculator
Your estimate
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Fill in what applies to you — leave the rest blank.
A starting point, not advice. A licensed agent can fine-tune it with you.
Term vs. whole life vs. IUL at a glance
| Topic | Term life | Whole life | IUL |
|---|---|---|---|
| How long it lasts | A set term (10–30 years) | Lifetime | Lifetime, if funded |
| Premiums | Lowest; level for the term | Highest; fixed | Flexible |
| Cash value | None | Guaranteed growth | Index-linked, with floor and cap |
| Best for | Income replacement, mortgage | Guarantees, estate planning | Long-term coverage + cash value |
What affects your price
Age and health matter most. Shopping multiple carriers matters too, because each one rates health conditions differently.
- Age
- Health history
- Tobacco / nicotine
- Coverage amount
- Term length
- Occupation & hobbies
- Family history
- Driving record
Life insurance FAQ
Can I get life insurance with a health condition?
Usually, yes. Many people with diabetes, high blood pressure or a past cancer diagnosis still qualify — the carrier and the policy type matter. That's exactly why we compare several carriers for you.
Do I need a medical exam?
Not always. Many carriers offer simplified-issue or accelerated underwriting that uses health questions and database checks instead of an exam. Larger coverage amounts or some health histories may still require one.
How fast can my coverage start?
With accelerated or simplified underwriting, some policies are approved within minutes to a few days. Fully underwritten policies that need an exam typically take several weeks.
Is life insurance through work enough?
Group life through an employer is often only one or two times your salary and usually ends if you leave the job. Many families need more, and an individual policy stays with you no matter where you work.
Is the death benefit taxable?
Life insurance death benefits are generally not subject to federal income tax for beneficiaries. Estates and some ownership arrangements are different, so ask a tax professional about your situation.
Sources
Last reviewed by a licensed agent. Figures change each year — confirm current amounts at the sources above.
Get covered in as little as a few days.
Compare life insurance from multiple carriers — free.