Available Monday-Friday, 9am-6pm ET
Get Free Life Insurance Quotes From Licensed Agents
Answer a few quick questions and a licensed agent will help you compare life insurance options. Free. No obligation.
Prefer to call? (888) 248-8902
- Independent, State-Licensed Agents
- Free. No Obligation.
- Available Monday-Friday, 9am-6pm ET
- Private and Confidential
How It Works
- 1
Call or submit your info
Reach a real person or request a quick callback.
- 2
Connect with a licensed agent
We match you with an independent, state-licensed agent.
- 3
Compare your options
Review life insurance options with no pressure and no obligation.
Types of Life Insurance
There is no one-size-fits-all policy. Here are the most common kinds of life insurance so you can go into your call with a licensed agent already knowing the basics.
- Term Life Insurance
- Covers you for a set period, such as 10, 20, or 30 years. It usually offers the most coverage for the lowest cost, which makes it popular for income replacement and covering a mortgage or raising a family.
- Whole Life Insurance
- Permanent coverage that lasts your entire life as long as premiums are paid. Premiums are typically level, and the policy can build cash value you may be able to borrow against over time.
- Universal Life Insurance
- A flexible form of permanent coverage that can let you adjust your premium and death benefit within limits, and may accumulate cash value based on the policy's terms.
- Final Expense (Burial) Insurance
- Smaller whole life policies designed to help cover funeral costs, medical bills, and other end-of-life expenses. They often feature simplified underwriting and are common for older adults.
- Guaranteed Issue Life Insurance
- Coverage with no medical exam and no health questions, so acceptance is guaranteed within the eligible age range. Benefit amounts are typically smaller and may include a waiting period.
Frequently Asked Questions
Is this service really free?
Yes. The Life Policy is a free informational and referral service. You are never charged to use this website, request a quote, or speak with a licensed agent. We are compensated by our agent and marketing partners, not by you.
How much does life insurance cost?
Premiums depend on factors like your age, health, tobacco use, the type of policy, and the amount of coverage. Term policies are generally the most affordable, while permanent policies cost more but last for life. A licensed agent can give you an accurate quote based on your situation.
How much coverage do I need?
A common starting point is enough to replace several years of income and cover major obligations such as a mortgage, debts, and final expenses. The right amount is personal, and a licensed agent can help you estimate it based on your goals and budget.
What is the difference between term and whole life insurance?
Term life covers you for a fixed number of years and is usually cheaper. Whole life is permanent coverage that lasts your entire life and can build cash value over time, but it typically costs more for the same death benefit.
Do I need a medical exam to get covered?
Not always. Some policies require a medical exam, while others use simplified or guaranteed-issue underwriting with no exam. A licensed agent can point you toward options that match your health and preferences.
Can I get life insurance if I have health conditions?
Often, yes. Many people with health conditions still qualify for coverage, though it may affect the price or the type of policy available. Options like final expense and guaranteed-issue policies are designed with this in mind.
What happens after I call or submit my information?
We connect you with one or more independent, state-licensed insurance agents who can answer your questions and present options. There is no cost or obligation, and you can stop the process at any time. The Life Policy is not an insurance company and does not issue policies or make coverage decisions.
About This Service
The Life Policy is a free informational and referral service operated by RJ Webworks LLC. We are a marketing and lead-generation company. We are not an insurance company, an insurance agency, or a government or Medicare program, and we are not affiliated with or endorsed by any insurance carrier.
When you call or submit your information, we connect you with one or more independent, state-licensed insurance agents who can answer your questions and present life insurance options that may fit your needs. There is no cost or obligation. We may be compensated by our agent and marketing partners when we refer consumers to them.