The easy way to compare and buy life insurance

In Partnership With
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The easiest way to find affordable term life insurance online

Experts if you need them. Technology for everything else


Calculate your life insurance needs

The most accurate online calculator to get the right amount of coverage - no more, no less

Calculate Your Coverage
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Compare online life insurance quotes

Save when you compare quotes from over 25 life insurance companies

Get Your Quotes
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Apply online through Policygenius

Our concierge service is with you every step of the way - free of charge

Why Shop with Us?

Best price promise

Prices are government-regulated, so policies will cost the same no matter who you buy from.

One universal application

If you want to change the insurer or policy you’re applying for, we can do that without starting you back at square one.

An advocate in your corner

Our customer success team handles the paperwork, answers your questions, and deals with the insurer for you.

It costs you nothing to use our service.
So, what's in it for us?

Like traditional brokers, we get commissions for life insurance policies we sell. The commissions are part of the price (same as anywhere else), so you don't pay more to use our service. Our reputation is important so we'll always find the policy that's best for you.

Let our experts protect your family

Why you'll enjoy working with the Policygenius team

  • Industry experts - licensed advisors, CFPs and underwriters based in the USA
  • No pushy sales - our experts are salaried, not commissioned on sales. So you'll always get unbiased advice
  • A team that works for you - our concierge team handles everything for you

Available Monday-Thursday | 9am-8pm EST, Friday | 9am-6pm EST

The Policygenius promise

We work with you to find the life insurance that best fits your needs and make sure you get the best rates.

How we keep our promise

  • Widest choice of A-rated life insurers means we always find you the best price
  • Experience finding coverage for people with complex medical histories
  • We'll shop your offer around if the price changes during the process

Types of Life Insurance

Here is a summary of some of the basic features and differences between the different types of life insurance.

Need more info? See our full analysis of term vs. whole life insurance.

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Term Life Whole Life Return of Premium Term Life Universal Life Variable Life Variable Universal Life
Duration 1-30 Years Life 1-30 Years Life Life Life
Guaranteed Death Benefit Yes Yes Yes Yes Yes Yes
Guaranteed Cash Value No Yes No Protected from risk, but can be depleted to pay premiums No No
How Cash Grows (or Shrinks) - Earns interest at pre-determined rate - Variable rate determined by insurer Subaccounts - pool of investor funds offered by insurer Subaccounts - pool of investor funds offered by insurer
Premiums Can increase periodically OR be guaranteed to remain level Level Can increase periodically OR be guaranteed to remain level Varies, up to the customer (subject to federal tax laws) Level Varies, up to the customer (subject to federal tax laws)
Notes No risk of losing coverage, but no cash value when term ends No risk compared to other permanent types, but there are probably better investment options Refunds your premiums at the end of the term if you outlive the policy - Risk of holding expensive insurance policy with little to no cash value Risk of holding expensive insurance policy with little to no cash value

Where do I start?

The first step to buying life insurance is calculating how much coverage you need. Our life insurance calculator will help you understand your needs based on your life circumstances and your financial situation.

Once you know how much coverage you need, Policygenius will compare quotes from the nation’s top carriers and find the best rates available for you. Even better, we’ll guide you through the entire application process until your policy is complete.

Ready to calculate your coverage? Let's get started

Understanding Life Insurance

The right life insurance policy is an essential part of your family’s financial safety net. But buying it can be confusing. How much coverage do you need? Should you buy term or whole life insurance? What determines your rate—and how do you know if you’re getting a good quote?

We’re here to help you understand, compare and buy the best life insurance for you and your loved ones. First, let’s go over the basics:

What is life insurance?

  • Life insurance is a financial protection policy for your family that gives them a tax-free cash payment if you die while the policy is in effect.

  • Term life gives you coverage for a set period of time—usually while you have dependents relying on your income.

  • Whole life insurance covers you for your entire life. It’s a more complicated product that, if you live to an old age, eventually gives your family back the money you’ve put in.
Policygenius recommends term life as the best choice for most shoppers over whole life or other forms of permanent life insurance.

Average Cost of Life Insurance

Term life insurance is one of the most affordable ways to provide financial protection for your family. Many Americans overestimate the cost of life insurance by more than double. In reality, $250,000 of coverage often costs less than most other monthly expenses.

*Based on a 30-year old with $60K salary

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Monthly Cost
Eating out$225
Health insurance$180
Phone bill$120
Car insurance$95
Term Life Insurance $30

Best Life Insurance Companies for Term Life Insurance

Policygenius is fully licensed in all 50 states to work with some of the top-rated life insurance companies, with decades of excellent service and the highest ratings from J.D. Power, AM Best, and the Better Business Bureau. Here are some of the biggest and highest-rated companies in the industry:

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CompanyBBB RatingAM Best RatingJD Power Rating
Northwestern MutualA+A++799
Mass MutualA+A++780
Pacific LifeA+A+ N/A
Guardian LifeA+A++760
NationwideA+A+ 806
Principal FinancialA+A+ 774
Banner LifeA+A+ N/A
Mutual of OmahaA+A+ 766
AXA EquitableA+A+ 752
Lincoln FinancialA+A+ 744
ProtectiveA+A+ 742
BrighthouseA+A+ N/A
John HancockA+A+ 739
TransamericaA+A+ 719
PrimericaA+A+ 717
AIGA+A 718
PrudentialA A+ 770
State FarmB A++828
New York LifeB-A++828
MetlifeB-A+ 779

Get a free quote today

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We've helped millions of people shop for insurance

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Our BBB Rating

This is the highest rating given by the Better Business Bureau

Our Customer Rating

4.8 out of 5 stars on Trust Pilot, the leading online source for business reviews

Life insurance companies

We work with over 25 of the best life insurance companies in the country
Pacific Life
& many more

Policygenius in the press

See why experts are recommending Policygenius
Usa Today
Life Hacker
Fast Company
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Top FAQs about Policygenius

How is Policygenius different from other life insurance sites?

We've set a high bar to make Policygenius the only life insurance site you'll need. That means we:

  • Offer all the top life insurance companies so you don't have to shop elsewhere
  • Provide the most accurate online quotes, without requiring any contact info from you
  • Explain what you need to know in plain English so you don't have to research elsewhere
  • Don't sell your info off to life insurance agents as a "lead." Our team is with you from start to finish.
  • Stand by our best price promise. If the insurer approves your application at a different rate than what we quoted, we'll shop your offer around to see if another life insurer can beat it.

All this service at no extra cost to you.

Shouldn't I try more than one comparison site?

You can, but we've worked hard to offer the easiest life insurance shopping experience you'll find online. We offer the widest selection of A-rated life insurance companies so that you can find the right policy for you.

Also, any policy you see on our site won't be any cheaper at another comparison site. That's because each life insurance company files its rates with state regulators, and everyone is required to show those filed rates. And if you see the same policy for a cheaper rate on another site - make sure you're comparing apples to apples. Is it for the same amount and term? Did the other site ask detailed health questions to make sure they can accurately quote you? We do that but not every site does.

We stand by our promise - so we make it easy to save your quotes with us (and email them to yourself) to keep shopping. And when you're ready to buy, we hope you'll come back to us.

How does Policygenius make money?

We get paid a commission by the life insurance company when we help you find a life insurance policy, submit an application, and get approved. Commissions are already priced into the cost of life insurance - so you're not paying extra to work with us (or any agent or broker). Our commissions are similar across the life insurers we work with, so we never play favorites. Want to know how much commission we make? Feel free to ask us.

Are the life insurance quotes on the Policygenius site accurate?

We like to say we're in the business of no surprises. Our life insurance quotes are the most accurate available online today. Other sites take your basic information and show you the best health class and price. That's not the right way to quote. We collect more health information upfront to show the most accurate quotes possible (as long as you give us accurate information).

If the price on our site is higher than you're seeing elsewhere, for the same policy, that site may not be showing you an accurate quote. Over 80% of policies we sell are within $10 of what we quoted online.

If our site can't instantly quote you (which happens when someone has a more complicated health history), one of our licensed advisors can custom quote you.

Shouldn't I buy directly from a life insurance company?

There's no reason to (and a very big reason not to).

First: you don't save any money by buying directly from the life insurance company. By law, the price you get from a given life insurance company is the same through them, or through an agent or broker.

Second: the rate you get quoted may not be the rate you're approved at. Life insurance companies do a process called 'undewriting' in which they look at your health history and risk profile to determine whether the rate they quoted is actually accurate. If you apply with the life insurance company directly, and you're approved at a different rate, you're stuck. They won't help you figure out if you can get a better offer elsewhere. If you apply through Policygenius, we'll shop that offer around to every life insurance company we work with to see if they can beat it. No extra work for you and no extra cost.

Our clients rate us 9.7/10 for satisfaction

Insurance buying made easy. I would gladly recommend them.

Nishith N.

PolicyGenius is not only a great tool when shopping for insurance but also provides wonderful customer service and assistance throughout the entire process.

Shari F.

Great experience and huge savings.

Aaron W.

I feel confident that I got the best policy for me at the best price.

Brian G.

Very easy process and no sales pitch!


Easy and no nonsense! Simple and pain free process that worked around my schedule.

James P.

Painless from start to finish. Happy customer!


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