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How To Get The Most Accurate Life Insurance Quotes

The cost of a life insurance policy can vary as much as 50% for the same coverage! Smart shoppers need to compare multiple life insurance quotes. Fortunately, it's easy to do online.


This section:

Lists the basic necessary info you'll need for a quote

Explains how term life insurance rates are set

Describes strategies for getting the lowest and most accurate quote


Life Insurance for as Little as $20/Month?

Premiums can vary by as much as 50% for the same coverage and options, so it pays to get quotes from as many reputable insurers as possible.

Use our quick 60-second quote form to find the coverage that's right for you, and a monthly premium that you can afford.

Click here to get your fast free quote

Shopping For Life Insurance Online

The internet has been a huge blessing to life insurance consumers. Whereas in the (now distant) past you may have been limited to interactions with agents at local offices or over the phone, you can now do much of the "shopping around" from home, (or even from your phone), and get all the info you need. This puts the power of choice in your hands.

Increased access to information and competitive selling by insurers have driven down the cost and multiplied consumer options.

Of course, a life insurance quote is only as good as the information you enter, so before we send you on your way, here's quick list of the facts you should have handy before you apply for a quote:

Basic personal information. All the stuff you find on your driver's license.

Work and leisure profile. Is your occupation dangerous? Are your hobbies dangerous? And, of course, do you smoke (a big, important factor)?

Driving record. Most insurers will want pretty specific information about any recent accidents, tickets, or DUI's.

Health profile. This includes both a family and personal illness histories and a basic snapshot of your current health (cholesterol count, blood pressure). You may be required to take a medical exam later anyway, but it's a good idea to start with best info available anyway.

And, finally, coverage details. How much coverage you want, and both the type and length of policy you're seeking.

You should be able to get an initial quote even without some of the info listed above. It simply may not be very accurate. If you're not sure about something, give it your best guess rather than leaving the field blank.

And now for the important part:

For Term Life Quotes

If you're seeking a term policy quote, get an instant quote from one of our partner carriers. Quotes are real-time, and you compare costs and coverage side-by-side. The country's top insurers are represented, along with their financial ratings, and you need only contact and deal with those whose policies interest you.


The real-time online approach works best for a few reasons:

First, the cost of term life insurance policies can vary widely - you need to comparison shop.

Second, "playing around" with coverage numbers and term lengths can also really affect price, and that's easy to do online.

And finally, you'll be able to shop in peace, without being pressured to buy a permanent (more expensive) policy.


Get started with one of our partner carriers, or learn more about strategies for getting lower term life insurance quotes.


For Whole Life Quotes

If, on the other hand, you want a permanent policy, you should probably speak one-on-one with an agent. Whole policies come in a lot of flavors, and they're a trickier business than term plans.

Even if you're fairly sure of the type of policy you want, you really need to take into account both your coverage goals and your financial situation when choosing policy specifics. An agent will help you do that.

For fast assistance from insurance professionals who want your business, visit one of our partner carriers. You apply online, and one of our partner carriers matches you with insurers who can explain the costs as well as investment benefits of the type of coverage you seek.

Get started with one of our partner carriers, or learn more about how to get accurate whole life insurance quotes.








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