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Shopping for Life Insurance
Ready to buy? Here's what you need to know about shopping for life insurance and finding the perfect policy.
Further reading
Understanding how life insurance rates change by age
The cost of life insurance can increase by as much as 12% each year you put it off. See real life examples here.
ReadHow does the underwriting process work?
Life insurance rates are set largely based on the results of the underwriting process. Find out what exactly carriers look for.
ReadShould you pay my life insurance premiums annually or monthly?
How often you pay your life insurance premiums can have a big impact on how much you spend on your policy.
ReadMore questions? We've got answers...
Can my credit score affect my life insurance premium?
Save thousands on life insurance using the ladder strategy
Can a financial advisor help me buy life insurance?
What to expect from a life insurance phone interview
What is the Medical Information Bureau?
Do I save buying life insurance direct from a life insurance company?
Whole life insurance rates
Converting term life insurance into a whole life policy
Life Insurance Reconsideration & Reapplication
How to cancel whole life insurance
What kind of life insurance should I buy?
Does chewing tobacco show up on a life insurance drug test?
Will secondhand smoke show up on my life insurance nicotine test?
What you need to know about life insurance urine tests
Why does a life insurer need an Attending Physician Statement (APS)?
What the heck are life insurance classifications?
How long should my term life insurance last?
Can I have multiple life insurance policies?
Where to buy life insurance
What is an accelerated death benefit?
Can I get life insurance if I am HIV positive?
How to buy life insurance with a chronic illness
How switching to e-cigarettes can impact your insurance premiums
Can you still buy life insurance if you’ve abused drugs?
Can excluding hobbies from a life insurance policy lower the premium?
Does my term life insurance premium increase with age?
How to cancel a life insurance policy
Life insurance for skydivers
Life insurance urine tests
Term life insurance rates
How does family history affect my life insurance rates?
Can I get life insurance if I have a criminal record?
How your driving record affects your life insurance rates
What do I do if my life insurance application is declined?
How do I buy additional term life insurance?
What is temporary life insurance?
Understanding modified life insurance options
Who needs life insurance?
If and when you need life insurance, plus how much and what kind.
Learn more
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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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