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Cost & Coverage
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Life insurance doesn't have to be complicated! Get accurate quotes, compare policies, and start the application process all in one place with Policygenius.
Not sure how much life insurance you need?
Find out with our coverage calculator.
We make life insurance easy
"Makes the process of getting life insurance painless and easy to understand."
"Quick and communicative! You helped us find the companies that best fit our needs. So much better than the local broker who demonstrated a strong conflict of interest."
"This took all the uncertainty out of the process. It felt like I had an advocate on my side each step of the way."
"I've been shopping and trying to get life insurance through other companies for months. I wish I just went to Policygenius in the first place."
Calculate Your Needs
Answer a few quick questions and we'll help you figure out how much life insurance you actually need - no more, no less.Try our calculator
Only Policygenius allows you to compare the details of life insurance policies from top companies side by side.
Hassle-Free Online Application
Our simple dashboard lets you instantly check the progress of your application.
The Policygenius Promise
How we keep our promise
We have years of experience finding affordable life insurance coverage - even for people with complex medical histories.
Unhappy with your final rates? We'll shop your application around to other insurers.
We offer the widest choice of A-rated life insurance companies in the industry. You have the best chance of finding your best rate through us.
Why We Do It
Like traditional brokers, Policygenius gets a commission from the life insurance company when we sell a policy. But our agents are paid on salary, so there's never any pressure to buy. Our goal is to help people get the coverage they need - no more, no less.
Life insurance provides a tax-free lump sum of money to your loved ones after your death so you can make sure they’re taken care of financially. A life insurance policy provides financial protection — and invaluable peace of mind — to people with friends or family that rely on them.
If you have someone who depends on your income or services, you likely need life insurance. Life insurance policyholders commonly include:
You might consider life insurance even if you don’t fall into one of those buckets. For example, you can use a policy to leave behind a charitable gift to a museum or foundation.
➞ In Our Learn Center: Do I need life insurance?
At the end of the day, most people will choose between two different types of life insurance: term life insurance, which lasts for a set amount of time before expiring, or whole life insurance, a type of permanent life insurance that has an investment-like cash value component and stays in effect for as long as you pay the premiums.
Whole life insurance can be good for people with complex financial situations or estate planning needs, but term life is the right choice for most shoppers because it’s the cheaper and more straightforward option.
|Term life||Whole life|
|Average Monthly Cost?||$25-$35||6-10x more than term|
There are even more types of life insurance with their own benefits, drawbacks, and unique properties. Talk to an expert before choosing a more complex policy – a term life policy will work best in most cases.
➞ In Our Learn Center: Term life insurance vs whole life insurance
Term life insurance can provide a large death benefit at an affordable cost. A healthy 30-year-old man can get a 20-year, $250,000 policy starting at around $16 a month. Policygenius can help you easily compare life insurance quotes from multiple carriers to make sure you’re getting the best rates.
The following factors go into determining the cost of your life insurance policy:
➞ In Our Learn Center: Understanding the cost of life insurance
Below are average monthly premium rates for a 20-year-term policy for a male applicant based on a Preferred health classification.
|Benefit Amount||Age 30||Age 35||Age 40||Age 45||Age 50|
➞ In Our Learn Center: Life insurance rates by age
Ready to start shopping for life insurance? Even if you’re not ready to buy, you can take some commitment-free steps to compare life insurance quotes and see what your options are – no email or phone number required.
From there, Policygenius’ licensed agents can help you choose the best policy and walk you through the rest of the application process.
➞ In Our Learn Center: How much life insurance do I need?
Here’s a secret: For most people, the cheapest life insurance policy is the best one.
But some insurers differ in how they treat people of different ages or with different health conditions. Don’t worry — we’ve done the heavy lifting and reviewed the top life insurance companies in America:
Ready to shop for life insurance?
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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