When shopping for life insurance quotes, don’t forget to: Compare quotes from 3 or 4 insurers to get the best price possible. Select policies with the same level of coverage — for example, $250,000 — to get the most accurate comparison. Consider extras
Life insurance rates typically increase with age as health issues become more frequent. Our rate chart shows how age and other factors affect premiums.
Get the best life insurance rates directly from top agencies. Save money on life insurance by making companies compete for your business.
Find cheap rates from top life insurance companies, and see which companies offer the best policy options based on our expert reviews.
Best for whole life insurance: Northwestern Mutual Life Insurance ; Best no-exam life insurance: Guardian Life Insurance ; Best for universal life insurance: State Farm Life Insurance
Best Term Life Insurance of 2024 ; Best overall: Banner Life Insurance ; Best for affordability: Protective Life ; Best no medical exam: Brighthouse Financial Life Insurance ; Best for customer service: State Farm Life Insurance
Term life offers temporary coverage, while whole life offers lifelong coverage. ; Term life premiums are initially cheaper, but whole life may be more cost-effective in the long run. ; Whole life offers a cash value component, while term doesn't.
Best for accelerated death benefits: Columbus Life Insurance ; Life insurance customers can take out loans from their policy, and State Farm offers living benefits ; Coverage is specialized for senior applicants with a high likelihood of acceptance ; Accelerated life insurance benefits available for long-term disability or extreme illness
Age, Average annual rate for men, Average annual rate for women ; 30, $220, $183 ; 40, $332, $281 ; 50, $817, $641 ; 60, $2,361, $1,656 ; 70, $9,297, $8,204
Company, Term life insurance ; Ameritas, Value Plus Term ; Banner/Legal & General America, OPTerm ; Corebridge Financial (formerly AIG), Select-a-Term ; Haven Life, Haven Term ; Lincoln Financial, TermAccel Level Term ; Midland National, Premier Term ; Minnesota Life, Advantage Elite Select Life ; Mutual of Omaha, Term Life Answers ; Nationwide, YourLife GLT ; Pacific Life, PL Promise Term