Compare Life Insurance Rates
Compare life insurance rates from 50+ carriers in minutes. We shop the market to find affordable coverage that fits your needs, your health profile, and your budget.
Life insurance rates vary dramatically between carriers. One company might quote you $50 a month. Another quotes $30 for identical coverage. The only way to find your best rate is to compare multiple carriers.
That's exactly what we do. We shop your application across dozens of carriers and find the one that rates you most favorably.
Why Life Insurance Rates Vary So Much
Each carrier uses different underwriting criteria. Their algorithms weigh health factors differently. One carrier might be strict on blood pressure but lenient on family history, while another might be the opposite. Some carriers specialize in specific risk profiles, actively seeking diabetics, smokers who quit, pilots, or people with certain health conditions. Others avoid those risks and price policies accordingly. Your ideal carrier depends on your unique profile. The cheapest option for your neighbor might not be the best for you. We understand the market and connect you with carriers interested in your business.
Some carriers specialize in certain risk profiles. They actively want diabetics, or smokers who quit, or pilots, or people with specific health conditions. Others avoid those risks and charge accordingly.
What Affects Your Life Insurance Rate?
• Age - Rates increase every year you wait. Lock in coverage while you're young.
• Health and medical history - Current health, past conditions, and ongoing medications all factor in.
• Smoking or tobacco use - Smokers pay 2-3x more. Former smokers can get non-smoker rates after 12-24 months tobacco-free.
• Family medical history - Heart disease, cancer, and other conditions in immediate family members affect rates.
• Occupation and hobbies - Dangerous jobs and risky hobbies (skydiving, scuba diving, racing) increase rates.
• Coverage type and amount - Term costs less than permanent. More coverage costs more than less.
• Term length - 30-year terms cost more per year than 10-year terms.
• Driving record - DUIs and multiple violations can affect life insurance rates.
Types of Life Insurance We Compare
Term Life Insurance: Affordable coverage for a set period. Best for most families who need maximum protection per premium dollar. Choose 10, 15, 20, 25, or 30-year terms.
Whole Life Insurance: Permanent coverage with guaranteed cash value. Higher premiums but lasts forever with level rates. Good for legacy planning and permanent needs.
Universal Life Insurance: Flexible premiums and death benefits. You can adjust coverage as your needs change. Includes indexed and variable options for cash value growth.
How We Find Your Best Rate
We don't work for one carrier. We work for you. We're independent brokers with access to dozens of life insurance companies.
We gather your information, run quotes across multiple carriers, and identify which ones will rate you most favorably based on your health profile. Same coverage, better price. That's the goal.
We also know which carriers are most lenient on specific conditions. If you have diabetes, we know who to approach. If you have a family history of heart disease, we know who handles that best. That expertise saves you money.