Protect your family with life insurance

Compare term life insurance quotes online and save over 70% when you apply through PolicyGenius

The easiest way to find affordable term life insurance

Experts if you need them. Technology for everything else

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Calculate your life insurance needs

The most accurate online calculator to get the right amount of coverage - no more, no less

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Compare instant online quotes

Save when you compare quotes from over 25 life insurance companies

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Apply online through PolicyGenius

Our concierge service is with you every step of the way - free of charge

It costs you nothing to use our service.
So, what's in it for us?

Like traditional brokers, we get commissions for life insurance policies we sell. The commissions are part of the price (same as anywhere else), so you don't pay more to use our service. Our reputation is important so we'll always find the policy that's best for you.

Let our experts protect your family

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Why you'll enjoy working with the PolicyGenius team

  • Industry experts - licensed advisors, CFPs and underwriters based in the USA
  • No pushy sales - our experts are salaried, not commissioned on sales. So you'll always get unbiased advice
  • A team that works for you - our concierge team handles everything for you

Available Monday-Thursday | 9am-8pm EST, Friday | 9am-6pm EST

The PolicyGenius promise

We work with you to find the life insurance that best fits your needs and make sure you get the best rates.

How we keep our promise

  • Widest choice of A-rated life insurers means we always find you the best price
  • Experience finding coverage for people with complex medical histories
  • We'll shop your offer around if the price changes during the process
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Accurate calculation of your life insurance needs

Our calculator takes you step-by-step to figure out how much term life insurance you need

Instant quotes to save you money

Compare the top term life insurance policies to get the most affordable coverage for you

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We work with life insurance companies mobile
Comparison card on mobile

Comprehensive term life insurance options

We have life insurance policies that require a medical exam and ones that don't. Compare the difference side-by-side

Easy application process

Our experts manage the life insurance process to make sure you get the right coverage. We'll even shop your policy around if your final rates come back different.

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Uac medical exam stage mobile

We've helped millions of people shop for insurance

And they actually enjoyed it!

A+

Our BBB Rating

This is the highest rating given by the Better Business Bureau

Our Customer Rating

4.8 out of 5 stars on Trust Pilot, the leading online source for business reviews

The easiest way to get life insurance

Life insurance companies

We work with over 25 of the best life insurance companies in the country
Principal financial
Mutual of omaha
Lincoln financial
Pacific life
Transamerica
Prudential
Banner life
Aig
Protective logo
And many more

PolicyGenius in the press

See why experts are recommending PolicyGenius
Wall street journal
Vox
Usa today
New york times
Lifehacker
Forbes
Fast company
Cnbc
Clark howard
Bloomberg business week
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Top FAQs about PolicyGenius

How is PolicyGenius different from other life insurance sites?

We've set a high bar to make PolicyGenius the only life insurance site you'll need. That means we:

  • Offer all the top life insurance companies so you don't have to shop elsewhere
  • Provide the most accurate online quotes, without requiring any contact info from you
  • Explain what you need to know in plain English so you don't have to research elsewhere
  • Don't sell your info off to life insurance agents as a "lead." Our team is with you from start to finish.
  • Stand by our best price promise. If the insurer approves your application at a different rate than what we quoted, we'll shop your offer around to see if another life insurer can beat it.

All this service at no extra cost to you.

Shouldn't I try more than one comparison site?

You can, but we've worked hard to offer the easiest life insurance shopping experience you'll find online. We offer the widest selection of A-rated life insurance companies so that you can find the right policy for you.

Also, any policy you see on our site won't be any cheaper at another comparison site. That's because each life insurance company files its rates with state regulators, and everyone is required to show those filed rates. And if you see the same policy for a cheaper rate on another site - make sure you're comparing apples to apples. Is it for the same amount and term? Did the other site ask detailed health questions to make sure they can accurately quote you? We do that but not every site does.

We stand by our promise - so we make it easy to save your quotes with us (and email them to yourself) to keep shopping. And when you're ready to buy, we hope you'll come back to us.

How does PolicyGenius make money?

We get paid a commission by the life insurance company when we help you find a life insurance policy, submit an application, and get approved. Commissions are already priced into the cost of life insurance - so you're not paying extra to work with us (or any agent or broker). Our commissions are similar across the life insurers we work with, so we never play favorites. Want to know how much commission we make? Feel free to ask us.

Are the life insurance quotes on the PolicyGenius site accurate?

We like to say we're in the business of no surprises. Our life insurance quotes are the most accurate available online today. Other sites take your basic information and show you the best health class and price. That's not the right way to quote. We collect more health information upfront to show the most accurate quotes possible (as long as you give us accurate information).

If the price on our site is higher than you're seeing elsewhere, for the same policy, that site may not be showing you an accurate quote. Over 80% of policies we sell are within $10 of what we quoted online.

If our site can't instantly quote you (which happens when someone has a more complicated health history), one of our licensed advisors can custom quote you.

Shouldn't I buy directly from a life insurance company?

There's no reason to (and a very big reason not to).

First: you don't save any moeny by buying directly from the life insurance company. By law, the price you get from a given life insurance company is the same through them, or through an agent or broker.

Second: the rate you get quoted may not be the rate you're approved at. Life insurance companies do a process called 'undewriting' in which they look at your health history and risk profile to determine whether the rate they quoted is actually accurate. If you apply with the life insurance company directly, and you're approved at a different rate, you're stuck. They won't help you figure out if you can get a better offer elsewhere. If you apply through PolicyGenius, we'll shop that offer around to every life insurance company we work with to see if they can beat it. No extra work for you and no extra cost.

Our clients rate us 9.7/10 for satisfaction

Insurance buying made easy. I would gladly recommend them.

Nishith N.

PolicyGenius is not only a great tool when shopping for insurance but also provides wonderful customer service and assistance throughout the entire process.

Shari F.

Great experience and huge savings.

Aaron W.

I feel confident that I got the best policy for me at the best price.

Brian G.

Very easy process and no sales pitch!

CJC.

Easy and no nonsense! Simple and pain free process that worked around my schedule.

James P.

Painless from start to finish. Happy customer!

Chris.

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