Skip to content Skip to sidebar Skip to footer

Life Insurance Quotes: Compare and Save

Life insurance is a contract between you (the policyholder) and the insurance company. You pay monthly payments towards your policy and your beneficiaries receive a tax-free payment, known as a death benefit, if you die while your cover is active.

→ Read more about what life insurance is and how it works

What does life insurance cover?

Life insurance pays for most causes of death. Natural causes, suicides and accidents are covered.

Learn more about what life insurance covers

How much life insurance do I need?

Our experts recommend that you get coverage equivalent to 10 to 15 times your income in order for your family to have long-term financial support.

Find out how much life insurance you need

How do I buy a life insurance policy?

All it takes is a phone interview and a medical exam to get coverage. Some people can even get an insurance policy without a medical exam.

Check out our guide to buying life insurance

How much does life insurance cost?

the age

For example 33



Postal code

For example 90210

policy length


20 years

Amount of coverage



500 thousand

Monthly estimates for


best health



good health



average health



Now compare quotes

Supported by

an icon of genius politics

What are the different types of life insurance?

There are many types of life insurance policies, but the most common are term and whole term insurance policies. Most people find life insurance more practical - it's simple, affordable and only lasts as long as you need it. But the best policy for you will depend on your individual circumstances, including your financial obligations, income, health and lifestyle.

A father carries his smiling daughter across a field

Life insurance

Life insurance is the most affordable type of life insurance policy. In exchange for relatively low rates, your beneficiaries receive a tax-free lump sum upon your death. It lasts for a period of time – usually 10 to 40 years, depending on your policy – ​​and is all most people need.

Read more about term life insurance

Mother and daughter holding hands while smiling at the breakfast table

Life insurance

Whole life insurance lasts you for life, and in addition to death benefit payments, it comes with a cash value that can be used to top up your savings. This type of policy is best for people who have maxed out other investments or have long-term financial obligations.

Read more about whole life insurance

Another type of life insurance you may come across is comprehensive life insurance. Like whole life insurance, comprehensive coverage lasts for life and has the advantage of providing cash value. But you can adjust the premiums or take advantage of a comprehensive life policy, depending on your cash value performance. Unless you are a high income earner and want to maximize your investment, term or whole life is usually a better option than a year.

→ Read more about the different types of life insurance

How much does life insurance cost?

The cost of life insurance depends on many factors, including your age, health and the specifics of your policy, but a 35-year-old can expect to pay between $25 and $30 a month for 20 years, $500,000. Policies. Rates are five to 15 times higher if you buy cash life insurance, such as comprehensive or comprehensive life.

In any case, it's always better to buy sooner than later: depending on your age, you can add 4.5% to 9.2% to your premium every year you wait to buy the insurance policy. We can help you compare life insurance quotes from top-rated companies to find the best policy for you - at the lowest price for you.

← Read more about life insurance costs

Average life insurance rates by age, August 2022

age / gender

Coverage amount of 250 thousand dollars

Coverage amount of 500 thousand dollars

Covered amount of $1 million

25 years




25 years old male

17.09 USD

26.91 USD

44.67 USD

35 years

16.40 USD


42.64 USD

Male 35 years old

18.61 USD

30.26 USD


45 years

28.40 USD

47.83 USD

86.70 USD

45 years

35.22 USD

60.71 USD


55 years


108.98 USD


55 years

83.45 USD


284.07 d