Finding your best life insurance policy

Taking an inventory of your unique health and lifestyle will help you determine which life insurance company is best for you.

The basics

Your personal situation will impact the process of finding your best life insurance policy, including what type of policy and how much coverage you need, and what payments you can afford. Considering your needs can help you choose the best policy for you.

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Life insurance & you

Life insurance needs can be deeply personal. Who you are and what stage of life you’re in may change which life insurance options are best for you. Things like your age bracket and work status can impact which life insurance policy is best for you.

Life insurance & your family

If you’re shopping for life insurance, you’re probably trying to protect a partner, child, or other loved one. The death benefit can help your family avoid debt or other financial hardship after you’re gone. Learn what to consider if you’re:

Life insurance & your finances

Certain financial conditions — like your employment status and your income — could also impact your life insurance rates and policy options.

Life insurance & your health

Since insurance companies estimate your life expectancy to determine how long you are expected to live, many medical conditions and health-related lifestyle choices can affect your life insurance rates and the kinds of policies you’re eligible to buy.

Why honesty matters on a life insurance application

It’s  important to be completely honest in a life insurance application. If your life insurance company finds out that you lied on the application, they can invalidate your coverage when you die and not pay out the death benefit to your beneficiaries. 

Even if there’s an aspect of your lifestyle or health that you fear may limit your options or increase the cost of insurance, you’re better off being upfront and honest. Sharing your personal profile accurately will help you find the best life insurance policy. 

Working with an independent agent can help you get the most affordable life insurance coverage for your needs. Policygenius agents compare multiple insurance companies on your behalf and recommend policies based on your unique situation. You can also use our free coverage calculator to make sure you’re getting the right amount of life insurance.