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Life Insurance

Term and whole life from $14/month

Lock in life insurance rates today to protect your family's future.

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What's included

  • Term life policies 10–30 years
  • Whole and universal life options
  • No-medical-exam policies available
  • Coverage up to $5,000,000
$340
Average customer savings

What's included

Everything you need from life coverage

Term life policies 10–30 years

Whole and universal life options

No-medical-exam policies available

Coverage up to $5,000,000

Why CoverageCompare

A smarter way to shop life insurance

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How it works

Quotes in 3 simple steps

1

Tell us about your needs

Share a few quick details about your life coverage needs. Under 2 minutes.

2

Get matched with agents

We connect you with top-rated carriers and licensed agents in your state.

3

Compare and choose

Review competing quotes side-by-side, ask questions, and pick the best fit.

Life insurance is one of the most important financial decisions you'll make for your family's future. Yet many people either don't have it or are paying too much because they've never compared rates. Term life insurance can cost as little as $14/month for healthy adults — far less than most people expect. Covrable connects you with licensed life insurance agents and top-rated carriers so you can find the right coverage at the best price.

Term vs. Whole Life Insurance

Term life insurance provides coverage for a set period — typically 10, 20, or 30 years — and pays a death benefit if you pass away during that term. It's the most affordable type of life insurance and is ideal for most families looking to replace income, cover a mortgage, or fund children's education. Whole life insurance provides permanent coverage that never expires and builds cash value over time. It's significantly more expensive than term but can serve as a long-term savings vehicle. Universal life is a flexible permanent policy that allows you to adjust your premiums and death benefit over time.

How Much Life Insurance Do I Need?

A common rule of thumb is 10–12 times your annual income, but the right amount depends on your specific situation. Consider your outstanding debts (mortgage, car loans, student loans), your dependents' living expenses, income replacement needs, future education costs, and final expenses like funeral costs. Online calculators can help you estimate a coverage amount, but a licensed agent can walk you through a personalized needs analysis at no cost.

No-Exam Life Insurance Options

Traditional life insurance requires a medical exam — a paramedical professional comes to your home or office to take blood and urine samples. However, many carriers now offer simplified issue and guaranteed issue policies that skip the exam entirely. Simplified issue requires answering a few health questions. Guaranteed issue accepts anyone within a certain age range with no health questions asked. These policies typically cost more and have lower coverage limits, but they're an important option for people with health conditions who might not qualify for traditional coverage.

When Should I Buy Life Insurance?

The best time to buy life insurance is as early as possible — premiums are based primarily on your age and health at the time of application. A healthy 30-year-old can lock in a $500,000 30-year term policy for around $25/month. The same policy at age 45 might cost $75–$100/month. Major life events — getting married, having children, buying a home, or starting a business — are common triggers for purchasing or increasing coverage.

FAQ

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