Instant Life Insurance Quotes

Get instant life insurance quotes from top insurance companies in minutes. Excellent customer service guaranteed. Get the lowest rates without any sales pressure. Our experienced licensed agents will guide you through the process and make sure that you make an informed decision.

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Reliable Life Insurance

Free Online Quotes with No Obligation

At LifeQuote, our goal is to help you save on life insurance. We specialize in tailoring our policies to your needs and budget. Our experts will handle all the paperwork and may even go back and forth with insurance companies to provide you with a satisfied service. So start your search for an instant life insurance quote – 100% free with no commitment on your part.

Accurate Pricing Top Life Insurance Carriers

Accurate Pricing From Top Insurance Carriers

Insurance prices keep on changing. Let us help you find the best rates from top insurance companies and compare them for you so you don’t have to waste your time finding life insurance quotes yourself.

LifeQuote Smart System

LifeQuote Smart System will Shop For You

Our smart system does the shopping for you, matching you with the lowest priced policies from a selection of America’s highly rated insurance companies. Backed by insurance industry experts and licensed agents, our insurance shopping system evaluates price, quality, and your specific insurance calls. “We do the work… You make the choice.”

Reliable Life Insurance

Free Online Quotes with No Obligation

At LifeQuote, our goal is to help you save on life insurance. We specialize in tailoring our policies to your needs and budget. Our experts will handle all the paperwork and may even go back and forth with insurance companies to provide you with a satisfied service. So start your search for an instant life insurance quote – 100% free with no commitment on your part.

Accurate Pricing Top Life Insurance Carriers

Accurate Pricing From Top Insurance Carriers

Insurance prices keep on changing. Let us help you find the best rates from top insurance companies and compare them for you so you don’t have to waste your time finding life insurance quotes yourself.

LifeQuote Smart System

LifeQuote Smart System will Shop For You

Our smart system does the shopping for you, matching you with the lowest priced policies from a selection of America’s highly rated insurance companies. Backed by insurance industry experts and licensed agents, our insurance shopping system evaluates price, quality, and your specific insurance calls. “We do the work… You make the choice.”

What Sets LifeQuote Apart?

Instant Life Insurance Quotes

Transparency, Honesty and Experience

Our biggest selling point at LifeQuote is that we are life insurance specialists. We have been insuring millions of customers for billions of dollars over the past 30 years. Our services are completely unbiased. We firmly believe in a transparent and honest workflow. The life insurance quotes we provide you are from companies rated at least A (Excellent), A+, and the pinnacle, A++ (Superior), as categorized by one of the nation’s premier rating services, the A.M. Best Company. That means we find you the best for less.

This should give you the full picture. Experience speaks for itself. It’s a good feeling to know that the people handling your life insurance needs are experts in their field looking out for your future.

Online Life Insurance Quotes

As an independent life insurance agency we work for our customers, not for the insurance companies. We are unbiased and provide you with a variety of life insurance quotes online from different insurance carriers giving you a broad choice of policies. Our focus is on finding you the best price and customizing the coverage that suits your needs.

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Do You Know How Much Term Life Insurance You Need for Your Loved Ones?

What Type Of Life Insurance Are You Looking For?

Term Life Insurance

Term Life Insurance

Term life insurance is the most affordable type of insurance policy. It is available in term lengths of 10,15, 20, 25 and 30 years. It is the most popular and budget-friendly option for families looking to have a financial protection for a limited amount of time.

Buying a 20 or 30-year level term policy can help you save a lot of money. Your rate will get locked and won't go up as you age.

No Medical Exam Insurance

No Medical Exam

Hate needles and medical testing? Then a term life insurance policy with no medical exam is the best option for you. When applying for a no exam term life insurance, the applicant is not required to undergo lab tests and other examination as required in traditional term policies. It is easier and much quicker to qualify for.

Try buying a 20 or 30 year no medical exam term life policy with fixed premiums.

Final Expense Insurance

Final Expense Insurance

Final expense insurance is a perfect solution for those who want to incur their burial and end-of-life expenses on their own. It is a low-benefit and low-coverage policy with no medical exam.

This life insurance policy is perfect for seniors and elders who cannot qualify for a traditional life insurance policy but hope to relieve their families from having to pay end of life expenses.

Permanent (Cash Value) Insurance

Permanent Life Insurance

If you are looking to build cash value and need a lifelong protection then a permanent or cash value life insurance is best for you. As long as you continue paying your premiums, your policy will remain in place. This can be a perfect way to leave a legacy.

Whole life, universal life, and indexed universal life are all different types of permanent cash value life insurance.

No Medical Exam


Clients who are looking for life insurance without going through the hassle of a paramedical exam, are best suited for this option. We understand your busy schedule and health priorities. Also if you have certain health problems like high blood pressure and cholesterol, then applying for fully underwritten life insurance may not be a wise decision as that may lead to high premiums. Most of the time, the cost difference between the two policies is not much. Also, you are not required to give a blood sample when applying for a no medical exam policy. Therefore, this might be the best choice for those who have an aversion to needles and fear of having their blood drawn. Another best thing about no exam life insurance policy is its fast approval. You may get approved in a day or two or sometimes in within 15 minutes.

Fully Underwritten


To apply for a fully underwritten life insurance policy, you are required to undergo a medical exam. This exam includes in-depth health questions, blood, and urine tests. Lab results are tested for various health conditions— high cholesterol, diabetes, or other medical issues that insurance carriers could consider to be risky to your longevity. Based on your answers and lab results, the life insurance carrier offers you a policy. If you are a healthy applicant and rate well for all their risk factors, you will likely receive an offer from the carrier within a matter of weeks, sometimes sooner. The insurance companies take an in-depth look into your background to establish your insurability. The prime advantage of a fully underwritten life insurance policy is the price. Typically, the premiums are lower than no medical exam.

No Medical Exam vs Fully Underwritten Life Insurance

We at LifeQuote strive to make your life easier by giving you an option to choose only the best. Our professional independent agents will run the quotes for you and let you know how much you will pay for no medical exam life insurance and fully underwritten life insurance. This way you may go for the option that best suits your needs.

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Term Life Insurance Quotes: Getting the Best Policy

Let’s face it…. the idea of buying life insurance is not exciting. It’s not like getting up in the middle of the night to Google the price of that shiny, new luxury car you’ve always dreamed of. You may not be able to afford it but you still want it. Nobody lusts after life insurance. It isn’t glamorous or sexy and may actually seem a bit depressing but many of you realize you need it. But think of it this way---- life insurance---- especially a term life insurance policy has at least two positives going for it: it is affordable, and could someday fulfill your family’s dreams. However, figuring out which life insurance policy is right for you can be confusing and even intimidating. But don't let that scare you because getting the best deal on a policy begins with an enjoyable and educational process… comparison-shopping for the best term life insurance quotes from the highest-rated companies.

Factors That Term Life Insurance Quotes Are Based On?

When shopping for term life insurance policy, there are some factors that you should keep in mind. These factors are taken into consideration by insurance companies to determine the rate class you will qualify for:

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Age

Generally speaking, the younger and healthier you are, the lower your life insurance premiums will be. It is logical due to longevity tables.

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Height and Weight Ratio

The height and weight ratio is also an important factor when determining term life insurance premium rates. For life insurance companies, obesity is a considerable risk factor and higher risk will equate to higher insurance premiums. However, if you want, we can help you align with the most overweight or obese friendly high-risk life insurance companies in the marketplace.

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Smoking Status

Life insurance premiums are higher for smokers than for those who don’t smoke.

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Occupation

Individuals who work in particularly high-risk occupations often have to pay higher rates for term life insurance.

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Gender

The life expectancy for a woman is longer than that of a man. Because of this, life insurance companies tend to offer lower premiums to a woman than they will to a man for the same amount of coverage and length of insurance.

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Health Status

Many life insurance carriers would ask for a medical examination upon applying for a policy. There are also no medical exam policies but they are a bit expensive.

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Lifestyle

By improving your health and lifestyle, you can save yourself a lot of money on premiums. Read our post to find out more.

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The Difference between Term Life and Permanent Insurance Coverage

There are two primary types of life insurance policies. The most common (and most affordable) type of life insurance coverage is known as term life insurance. The other primary type of life insurance is known as permanent (cash value) life insurance. Before making any major decisions, it is important to understand the differences between these two categories. Read more here.

Ready to Get a Term Life Insurance Quote?

It only takes a few minutes to get started by answering a handful of questions. Your age, gender, and State of residence are enough to provide you with instant life insurance quotes from multiple carriers. The application process begins as soon as you choose a company’s policy. For some applicants, a no-medical exam insurer might be the perfect choice. These companies have specific approval guidelines and only require a phone interview and an online application but not everyone is a candidate for approval. Younger and healthier applicants usually stand a good chance. Most people will apply for fully underwritten policies and have to undergo a medical exam. The whole process could take weeks so best to get started with your search. It might not be as exciting as shopping for that fantasy Ferrari but your family will be the beneficiary of this selfless gift of love… and it won’t keep you up at night.

Term Life Insurance Quote: