Get a life insurance quote in under 2 minutes

Find the best cheap life insurance

Enter your ZIP code below and click Get quotes to see the best rates near you.



Your information is secure.

Name Product Issue age Minimum Coverage Maximum Coverage Term Lengths Medical Exam Required
Policygenius
18 - 85 years old
$50,000
$10,000,000
10, 15, 20, 25, 30 years
Depends on provider and policy
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.
Bestow
18 - 60 years old
$50,000
$1,500,000
10, 15, 20, 25, 30 years
No
Get a quote in less than 10 minutes with on-the-spot approval and no medical exam.
Ladder
20 - 60 years old
$100,000
$8,000,000
10, 15, 20, 25 or 30 years
No, for coverage up to $3M
Apply for term life insurance online without the medical exam. Get an instant decision and adjust your coverage at no charge.
Sproutt
18 - 60 years old
$50,000
$4,000,000
5, 10, 15, 20, 25 and 30 years
No
Compare 40+ insurers and apply online to get the lowest possible price — no medical exam required.
Haven Life
20 - 64 years old
$250,000
$3,000,000
10, 15, 20, 25 or 30 years available to those aged 20 - 49 years old.
10, 15, or 20 years available to those aged 50 - 64 years old.
No exams for some applicants
Fill out a quick online application and get approval in minutes with up to $3 million in coverage.
loading

Compare up to 4 providers

Compare the different types of life insurance

FeatureTerm lifeWhole lifeUniversal lifeVariable lifeSimplified lifeGuaranteed issueFinal expenseGroup life
Coverage for a set period
Lifelong coverage
Guaranteed death benefit
Requires health questionnaire
Requires medical exam
Fixed premiums
Flexible premiums
Builds cash value
Offers tax free loans
Get free life insurance quotes today
Compare 12+ top insurers side-by-side to get the best possible deal, and shop return of premium policies online.

Need help? Talk to a customer specialist

X

Should I buy directly or through a broker?

You have options when shopping for a life insurance policy. You’ll find brokers that work with a range of companies to help you find the best prices in their network on the coverage you need, but they may not offer the personalized service you’ll find with a direct agent.

Both broker and agents work on behalf of providers to sell you a life insurance policy. It all comes down weighing each against what you’re looking for.

Buying life insurance from a broker

  • Not limited to one provider, offering access to a wide range of products for potentially greater choice.
  • Can flex their knowledge of the market to help you find coverage to suit your circumstances.
  • Can help you assess your situation to determine the type and amount of coverage you need.
  • Can offer overall advice regarding life insurance and annuities.
  • Depending on their expertise, may offer higher coverage levels and stronger features outside of your typical policy.

Guide to life insurance brokers

Buying direct from an insurance provider

  • Limited to one provider’s products, though with expertise to talk about them in detail.
  • May allow you to fully sign up online or by phone, with immediate conditional approval.
  • Online providers may offer faster underwriting and turnaround.
  • Direct products are beginning more — with some offering coverage amounts of up to $15 million.

Guide to life insurance agents

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site