Life insurance from $7.77¹ a month. Free call. No obligation.

Four things set the price: your age, your health, the type of policy, and how much coverage you buy. Two people of the same age can get very different prices. That is why the agent asks a few questions first and then quotes A-rated carriers for your situation, not a range off a chart. No price is final until an insurer reviews and approves an application.

Begin with what the money has to do: pay off the mortgage, replace a few years of income, cover the funeral, get the kids through school. Add those together, take away what you already have, and you have your number. A licensed agent can go through it with you in a few minutes and price two or three amounts so you see the difference.

Term covers you for a set number of years, usually 10 to 30, and costs less for each dollar of coverage. Whole life lasts your entire life and builds cash value, so the monthly cost is higher. Neither is better on its own. The right one depends on what the money is for and how long you need it.

Often not². Many A-rated carriers issue a policy on health questions alone, and some approve within a day or two. An exam can sometimes get you a lower price, so the agent will tell you when the extra step is worth it and when it is not.

Group coverage from an employer is usually one or two times your salary, and it normally ends when the job ends. A personal policy stays with you when you change jobs or retire, and it can cover the gap between what work provides and what your family would need. The agent shows you what that costs on the call.

Say so on the call. Every company prices high blood pressure, diabetes, a past surgery and weight differently, which is exactly why comparing matters. An independent agent knows which carriers treat your condition most favorably and starts there.

A real, independent licensed agent. Not a robot and not a phone tree. We are a free comparison and referral service, not an insurance company, so the agent can compare options across carriers and is not tied to one company’s product.