Buying Life Insurance Online

Buying life insurance online is now faster, more affordable, and more straightforward than most people expect. You can compare rates from top-rated carriers, apply, and in many cases get covered — all without an agent visit or a phone call. Here’s exactly how the process works and what to know before you start.

How to Buy Life Insurance Online: The Process

1. Determine how much coverage you need.
   Start with 10 times your annual income as a baseline. For a more precise figure, use LifeQuote’s free Life Insurance Needs Calculator.
2. Get instant quotes from multiple carriers.
   Enter your basic information — age, health status, coverage amount, and term length — into a quote tool that pulls live rates from multiple insurers side by side. LifeQuote’s instant quote tool does this in seconds, for free, with no commitment.
3. Compare rates and carriers.
   Look beyond the monthly premium. Check each carrier’s AM Best financial strength rating and review their underwriting requirements. A slightly higher premium from an A+ rated carrier is often worth it.
4. Apply online.
   Most policies require a short application covering your health history, lifestyle, and beneficiary information. Many carriers now offer accelerated underwriting — meaning no medical exam is required for qualifying applicants.
5. Get approved and activate your coverage.
   Approval timelines vary by carrier and policy type. Some no-exam policies can be approved same-day. Traditional policies with full underwriting typically take 2–6 weeks.

FAQ

Q: Is it safe to buy life insurance online?

A: Yes — buying life insurance online through a licensed independent broker is safe, secure, and increasingly the most common way people shop for coverage. Reputable platforms use encrypted forms and are licensed in every state they operate. The key is using an independent broker that shows you rates from multiple carriers rather than a single company pushing its own products.

Q: Can I buy life insurance online without a medical exam?

A: In many cases, yes. A growing number of carriers offer accelerated or simplified underwriting for healthy applicants under a certain age and coverage threshold — meaning you can apply and get approved entirely online without a physical exam. For larger policies or applicants with certain health histories, a brief medical exam may still be required. See LifeQuote’s no-exam options here.

Read the following pages for more information on how to get the best rate:

• Larger company means lower rate
• The facts about life insurance rates
• Getting the best rate
• What life insurance companies value
• Ace your medical exam
• Use the life quote engine

With all of the plan choices, options, limits, and add-ons, figuring out which policy is best for you and your family can be overwhelming. LifeQuote offers several features to help make the process of finding the right life insurance as simple and painless as possible. Our easy-to-use calculator that helps you to better identify your insurance needs, we have a user-friendly tool to help you every step of the way.

Visit our FAQs about Life Insurance section to get more answers to frequently-asked-questions.

To compare quotes, simply click get a quote and you will be taken to a page that asks you to complete a form. If you’re unsure of how much coverage you need, or how long the term should be, connect with one of our knowledgeable representatives immediately. You can send us an email or call our licensed agents at 1-800-521-7873.