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Save over 50%/up to 53%: Savings are estimated by comparing the highest and lowest prices of policies available in the Policygenius marketplace. For example, for a $500,000, 20-year term life policy for a 20-year old male with a preferred plus health rating in New York, the highest rate is $41.13/mo (Prudential Financial, Inc. of Newark, NJ) and lowest rate is $19.29/mo (Legal & General America of Frederick, MD). Savings may vary by term, policy amount, health class, and state. Savings illustration valid as of 8/11/2020.
You could save $1300 or more per year: Potential savings calculated by finding the average difference in premium between the highest and lowest term life quotes shown to customers who received at least two quotes between 4/23/2018 and 8/22/2020 and went in-force. Potential savings are based on a composite of multiple different contracts and insurers, each holding an A.M. Best Rating of at least A-. Not all policies in this calculation are available in all states. Savings may vary by term, policy amount, health class and state.
Life insurance costs more each year you wait to buy: We calculated the average annual increase in cost for non-smoking men and women with Preferred health ratings for a $1M, 20-year term life insurance policy in all states with each of the 11 carriers that offer policies through the Policygenius marketplace. Calculation is based on a composite of policies from AIG, Banner, Brighthouse, Lincoln, Mutual of Omaha, Pacific Life, Principal, Protective, Prudential, SBLI, and Transamerica and may vary by carrier, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 9/22/2020.
Starting at $15/mo: Quotes as low as $15/month for a healthy 35-year-old male in New Jersey for a $500K policy for a 10-year term by Brighthouse Life Insurance Company of Charlotte, NC. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 6/17/2020.
Lowest quotes (life insurance): Lowest quotes available to healthy 35-year-olds before applicable discounts for individual 10-year level-term life policies from the top 6 issuing life insurance carriers by NAIC ranking.
$500K policy for $19.16/mo: $19.16 per month for a healthy 30-year-old male in Texas for a $500K policy for 20-year term by Protective Life Corporation of Birmingham, AL. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/16/2020.
$500K policy for $16.23/mo: $16.23 per month for a healthy 29-year-old female in Texas for a $500K policy for a 20-year term by Brighthouse Life Insurance Company of Charlotte, NC. Individual rates will vary as specific circumstances will affect each customer's rate. Rate illustration valid as of 7/16/2020.