Free ยท No obligation ยท No-exam options

Compare life insurance options in minutes.

Protect your family's financial future. Compare term and whole life insurance options from participating providers โ€” including no-exam coverage.

250K+
Applications started
50+
Provider partners
4.7/5
User satisfaction
01 โ€” Types of coverage

Choose the right life insurance.

Different policies serve different needs. Compare options that fit your goals.

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Term life

Coverage for a set period (10โ€“30 years). Affordable and simple โ€” great for young families.

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Whole life

Permanent coverage with a cash value component. Fixed premiums for life.

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Universal life

Flexible permanent coverage with adjustable premiums and death benefit.

02 โ€” Eligibility

Basic requirements to get started.

Requirements vary widely by provider and product. You'll generally need:

  • Be at least 18 years old
  • U.S. citizen or permanent resident
  • Basic health and lifestyle info
  • Income and employment details
  • Beneficiary information
  • Valid email and phone number

Average monthly premium ยท 20-year term

$22
$100K
$42
$250K
$68
$500K
$95
$1M

*Illustrative averages for a healthy 30-year-old. Actual rates vary.

03 โ€” Comparison

Term vs whole at a glance.

Understand the trade-offs between term and permanent life insurance.

FeatureTerm lifeWhole life
Duration10โ€“30 yearsLifetime
Monthly costLowerHigher
Cash valueNoYes
Best forShort-term protectionLifetime coverage + wealth
04 โ€” How it works

Three steps. Two minutes.

Simple, transparent, and built to respect your time.

01

Answer a few questions

Provide basic info about your age, health, and coverage needs. Takes about 2 minutes.

02

Review your options

Based on your responses, you may be presented with available life insurance options from participating providers.

03

Choose and apply

Compare quotes and coverage. When you're ready, complete your application directly with the provider you select.

05 โ€” Reviews

Families like yours.

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"Just had our first baby and wanted to get coverage in place. EasyQuotes made it simple to compare policies without pushy sales calls."

KM
Kristen M.
Life Insurance ยท Illinois
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"Got a no-exam policy in less than a week. Way easier than I expected โ€” everything was online and I never had to talk to anyone."

RT
Robert T.
Life Insurance ยท Pennsylvania
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"Compared quotes from several companies in minutes. My wife and I both got term policies that fit our budget."

AN
Andre N.
Life Insurance ยท New Jersey
Ready to protect

Find your life insurance options.

Start your free online application. No obligation, no phone calls, no pressure.

Check eligibility

EasyQuotes is not an insurance provider or financial advisor. We do not make underwriting decisions or guarantee approval. By continuing, you acknowledge that information submitted may be processed by third-party services and participating providers. Rates, coverage, and availability are not guaranteed and vary by provider and individual circumstances.

06 โ€” FAQ

Life insurance questions.

A common rule of thumb is 10โ€“15ร— your annual income. Consider debts, income replacement, education costs, and future obligations when deciding.
Not always. Many providers offer no-exam policies with simplified underwriting. Coverage amounts may be lower and rates slightly higher for no-exam options.
Term life covers you for a set period (10โ€“30 years) and is more affordable. Whole life is permanent coverage with a cash value component and higher premiums.
Yes. Life insurance is underwritten, meaning approval depends on your health, age, and other factors. No-exam policies have more lenient requirements but lower coverage limits.
Term life typically has level premiums for the term length. Whole life premiums are generally fixed for life. Universal life offers some flexibility.
No. EasyQuotes is completely free to use. We may receive compensation from providers when you click through to their offers.