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Get free quotes tailored to your needs
We’re a marketplace — that means we partner with top life insurance companies to give you multiple quotes, so you can find the policy that’s right for you.
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Our expert agents work for you, not for the insurance companies — and they know their stuff. Get answers that you can trust for all your life insurance questions.
Get support every step of the way
We’re here to do the heavy lifting for you, and that doesn’t end when you buy your policy. Need to change your beneficiaries, or file a claim? We’ll help with that, too.
Still reading up on life insurance? We've got you. Our extensive content library covers everything you need to know about life insurance. Not sure how it even works? Or what kind you need? We’ll help you figure it all out so you can find a policy that you feel good about.
Life insurance is an agreement between you (the policyholder) and the insurance company. You make monthly payments towards your policy, and your beneficiaries receive a tax-free payout if you die while your coverage is active.→ Read more about what life insurance is and how it works
Do I need life insurance?
Is anyone going to struggle financially if you die? If the answer is yes, then you need to get life insurance coverage.Learn more about who needs life insurance
How much do I need?
Our experts recommend getting coverage that equals 10 to 15 times your income so that your family has financial support for the long run.Figure out how much life insurance you need
How do I buy it?
All it takes is a phone interview and a medical exam to get coverage. Some people can even get a policy without a medical exam.Check out our guide to buying life insurance
Although some people with very high incomes will want to go with a specialized policy, for most people, term or whole life insurance works best.→ Read more about types of life insurance
Term life insurance is the most affordable type of life insurance, with relatively low monthly rates. It lasts for a fixed period of time — typically 10 to 30 years, depending on your policy — but that’s all that most people need.
Whole life insurance lasts your whole life and, in addition to a death benefit payout, it comes with a cash value that can be used as a savings vehicle to supplement your retirement. It’s best for people who have maxed out other investments.
The cost of life insurance depends on your age and health, along with the specifics of your policy — the term length, coverage amount, and type of coverage. It’s always better to buy sooner rather than later: Depending on your age, you add anywhere from 4.5% to 9.2% to your premium every year you wait to purchase a policy. We can help you compare life insurance quotes from top-rated companies to find the best policy for you — at your lowest price.→ Read more about how much life insurance costs
Average term life insurance rates by age, November 2021
Methodology: The chart above reflects rates, as of November 1, 2021, for male and female non-smokers in a Preferred health classification with a 20-year term length. Rates are based on the monthly Policygenius Life Insurance Price Index. Prices in the index are determined by internal actuarial rate tables for 10 life insurance carriers that offer policies through the Policygenius marketplace: AIG, Banner Life, Brighthouse, Lincoln Financial, Mutual of Omaha, Pacific Life, Protective, Prudential, SBLI, and TransAmerica.
When it comes to life insurance, there’s no one-size-fits-all. The right policy for you depends on your individual needs and circumstances. That’s where we come in. As an independent insurance broker, we can give you unbiased reviews and recommendations of all the top insurance companies.
Why trust us?
The market, right here
We compare all of the top-rated insurance companies — side by side, in one place — to help you save money.
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We have dozens of unbiased reviews and ratings, along with expert advice from licensed agents who work for you — not the insurance companies
Help from real-life people
Need a human touch? Our in-house experts can guide you through the process and help you find your policy fit.
The reviews are in. See what our current customers are saying about how we make buying life insurance easy.
Very easy to work with
Answered all my questions and helped me make choices and changes to best suit my needs for life insurance. Communications were always informative and timely.
Caring Group of Professionals
I received everything promised. I am covered! My family is covered! Such pleasant and thoughtful professionals are here. Way to go Geniuses--PolicyGeniuses!!!
Policygenius was quick and thorough
Their updates, information, and care was very encouraging in a time were chaos and a lack of transparency seemed normal. Kudos to the staff of Policygenius.
I thought the service from Policygenius was excellent
Very professional throughout the process. The follow up was superb, very friendly, never pushy and I felt comfortable through every step. I can't say enough good things.
I would do business again
I would do business again with Policygenius. They have excellent customer service support and they kept me abreast of my situation the entire time.
I like the fact that they were not high pressure,
Meaning they do not call you 10 x per day, or email you continuously. As a matter of fact, they only bother you when they need something.
They were great at keeping me informed
They were great at keeping me informed on the status of my account. Easy process.
So easy to work with and was blown away
Was a terrific experience and my agent led me straight through multiple options and helped me get an amazing price. Very impressed