The easy way to compare and buy life insurance


Best Price Guarantee


Our underwriting experts will match you with the right insurance company and ensure you get the best possible price on your policy. Got offered a lower price elsewhere? Let us try to beat it.

How does it work?

Our underwriting experts will match you with the right insurance company and ensure you get the best possible price on your policy. Got offered a lower price elsewhere? Let us try to beat it.

Compare Life Insurance Quotes

Why we're different

Why buy life insurance through us?

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The best quotes. All in one place.

About our Best Price Guarantee

Don't waste time comparing life insurance quotes from individual insurers - we've put everything in one place. Got offered a lower price elsewhere? Let us try to beat it - we'll handle negotiations with the insurer for you.
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Unbiased advice from non-commissioned experts.

So how do you make money?

Insurers pay Policygenius (as a company) a commission when you buy a policy through us - that commission is already included in your quote and doesn't change what you'll end up paying, whether you buy through the insurer directly, another broker, or us (it's the law!). We're different because our experts are salaried and therefore not incentivized to push you to buy one policy over another.
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We handle your paperwork. At no additional cost.

How it works

We're guessing that dealing with the application paperwork and negotiating with insurers aren't on your bucket list, nor do you want to take several hours out of your life to do it. We handle all of that so that applying for life insurance has minimal disruption on your life - and at no additional cost to you. (See "So how do you make money?")
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Life insurance simplified

How it works

Compare life insurance quotes
  • Calculate

    Find the right amount of coverage with our life insurance calculator. No more, no less.

  • Compare

    See the most affordable quotes from more than a dozen term life insurance companies side by side.

  • Apply

    Apply online and have access to our expert team every step of the way.

Compare accurate life insurance quotes in one place, adjust term and coverage amounts, and view prices monthly or annually. Life insurance doesn’t get easier than this.


Not sure what you need?

Find out with our coverage calculator.

$25 Billion

and counting...

Our track record

We’ve placed billions of dollars in coverage.

From coast to coast, we’ve helped over 4.5 million people shop for insurance, and protected our customers with over $25 billion in coverage.

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We’ve helped millions of people

And they actually enjoyed it.

As seen on...

USA Today
New York Times
Fast Company
Calculating coverage on mobile


The right amount of coverage. No more, no less.

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

How much do I need?
Comparing life insurance quotes side-by-side


All the quotes. None of the confusion.

Some term life insurance policies require a medical exam. Others don’t. Only Policygenius compares them side-by-side to save you money (and confusion).

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Easy application, expert advice.

Our simple dashboard lets you instantly check the progress of your application. We’ll even shop your policy around if your final rates come back different.

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Real human help

Let our people protect your people.

Our licensed advisors deal with the insurance company so you don’t have to. No AI bots, no robocalls, no salespeople. Just real human help from start to finish.

Get Quotes

The Policygenius Promise

We promise to help you get the best protection for your situation.

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

So, what's in it for us?

Our service is free. So how do we make money?

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.

Understanding life insurance.

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Read the latest articles from Policygenius Magazine.


50 West 23rd Street, Floor 9

New York, NY 10010

24/7 - Available when you need us

Monday-Thursday | 9am-11pm ET
Friday | 9am-8pm ET
Saturday | 9am-9pm ET
Sunday | 10am-9pm ET