Life Insurance Learn Center

Learn life insurance basics so you can understand types, terminology, and more.

Basics

What is Life Insurance?

What does life insurance do, who needs it, and why is it important?

Best Life Insurance Companies

Learn what makes a good life insurance company for every situation, from cost to financial ratings.

Term vs Whole Life Insurance

Facts common features, definitions and shopping advice you need to compare term vs whole life insurance.

How Much Life Insurance Do I Need?

Learn how to get the coverage you need - and, importantly, at a price you can afford.

Cost & Coverage

How Much Does Life Insurance Cost?

Find out the five main factors that go into determining the cost of your life insurance policy.

Life Insurance Calculator

Not sure how much life insurance you need? Crunch the numbers with our easy-to-use life insurance calculator.

Life Insurance Rates by Age

Life insurance rates increase with age. Use this chart to see how much you can save by shopping early.

How Long Should My Coverage Last?

Coverage length comes down to how much you need, how much you can afford, and how much you qualify for.

FAQs

How Does Underwriting Work?

Underwriting is used to get a picture of who you are based on characteristics like your health and lifestyle.

Life Insurance for Spouses

A married couple can complete their financial safety net by making sure they both have life insurance.

What Is a Life Insurance Rider?

Riders are optional, additional terms and conditions that go into force along with the rest of the policy.

Life Insurance for Children

Life insurance for kids isn't necessary since you don't rely on them financially, but there are other options.

Company Reviews

Life Insurance Company Reviews

Which life insurance company should you buy from? Here are the facts about some of the most popular carriers.

AIG

An A-rated company that offers term life insurance products with unique options.

Banner Life

Very competitive underwriting options for those with medical issues.

Lincoln Financial

A company with an A+ rating and some of the most competitive underwriting for a variety of health conditions.

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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.