Life insurance · Updated October 2026
Compare life insurance and protect the people who count on you.
Term, whole or final expense: tell us how much coverage you need and a licensed agent will call with prices from top-rated life insurers. Many applicants qualify without a medical exam.
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Coverage
Life insurance terms to know
- Term life
- Covers you for a set period, such as 10, 20 or 30 years, at a fixed price. The lowest-cost way to buy a large amount of coverage.
- Whole life
- Lifelong coverage with a fixed premium and a cash value that grows over time.
- Universal life
UL - Permanent coverage with flexible premiums and an adjustable death benefit.
- Final expense
- A smaller whole life policy, often $5,000 to $50,000, meant to cover funeral and end-of-life costs.
- Face amount
- The death benefit paid to your beneficiaries.
- Rate class
Preferred Plus - The health category an insurer places you in. Better classes mean lower premiums.
- Rider
- An add-on that changes the policy, such as an accelerated death benefit or waiver of premium.
- Conversion option
- Lets you convert term coverage to permanent coverage without a new medical exam.
Pricing
What affects your life insurance rate
Every company weighs these factors differently. That's why the same coverage can cost very different amounts from one provider to the next.
Get my life quotes- Age when you apply
- Sex at birth
- Tobacco and nicotine use
- Height, weight and medical history
- Family medical history
- Coverage amount and term length
- Hobbies and occupation
- Driving record
Life insurance guides
Answers before you compare
Term vs. Whole Life Insurance: Which Is Right for You?
Term life covers a set period at a low price. Whole life lasts for life and builds cash value. Compare cost, flexibility and who each one fits.
Read guide →Life insurance · 6 min readFinal Expense Insurance: What It Is and Who Should Buy It
Final expense insurance is a small whole life policy for funeral and end-of-life costs. How it works, what funerals cost and which waiting periods to watch.
Read guide →Life insurance · 5 min readNo-Exam Life Insurance: How It Works and Who Qualifies
Many life insurers can approve you without a medical exam. Learn the types of no-exam coverage, who qualifies and the tradeoffs.
Read guide →Questions
Life insurance FAQ
How much life insurance do I need?
A common starting point is 10 to 15 times your annual income, plus your mortgage and other debts, minus savings. An agent can run the numbers with you.
Do I need a medical exam?
Not always. Many insurers offer no-exam or accelerated underwriting for healthy applicants, often for coverage up to $1 million or more.
Is term or whole life better?
Term is better for most families who need a lot of coverage for a set period. Whole life suits people who want lifelong coverage or a cash-value component.
Can I get coverage with a health condition?
Often yes, though the rate may be higher. Some insurers specialize in applicants with conditions like diabetes or high blood pressure.
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