Take care of what matters most.
Your family is unique - your life insurance should be, too.
Getting life insurance is easier than you think
Get the coverage you need
If you have loved ones that depend on you, you need life insurance. From choosing between whole and term life insurance to picking the right policy, we’re here to help you every step of the way.
Save money by shopping around
The best way to save on life insurance is to compare all of your options. Request quotes from over 30 companies, view all your options in one place and pick the policy that works best for you and your loved ones.
Start applying right away
Whether you’re a parent, a homeowner or you’re starting the business of your dreams, it’s important to make sure your assets are protected – today and for years to come. Once you've found the right quote and policy, you can start your application right away.
The entire process was exactly the way it should be. Everything was as it was told to me and the communication was excellent. Very professional, real people on the other side of the computer screen and emails.LarryCalifornia
Not sure where to start?
Our experts have answers to the most commonly asked life insurance questions.
What is life insurance?
Life insurance provides a payout after your death to the people you designate as beneficiaries. It’s an important safety net if anyone depends on you financially. The life insurance payout can pay debts such as a mortgage, replace your income and provide college tuition funds.
Who needs life insurance?
NerdWallet recommends life insurance for anyone who has loved ones who depend on them financially. This includes working or stay-at-home parents, homeowners who have a mortgage, business owners and others. More: Who needs life insurance
What’s the difference between whole and term life insurance?
Term insurance covers you for a set amount of time and is the most affordable type of life insurance. Term life is sufficient for most people. Whole life insurance pays out no matter when you die, and builds cash value that you can access. More: Term vs. whole life insurance
How are life insurance rates calculated?
Life insurance companies use life expectancy as the basis for determining rates. Anything that could shorten your life expectancy will typically lead to a higher price. Your age, gender, health conditions and family’s health history are all taken into consideration. More: Average life insurance rates
Can I get life insurance if I have a medical condition?
Don’t let a health condition stop you from getting quotes. 80% of people overestimate the cost of term life insurance. Life insurance is widely available to people with medical conditions. More: Life insurance with a medical condition
What information is required when applying for term life insurance?
You’re typically asked about your current and past health conditions, and your family health history. The insurer may ask for your consent to get your medical records and may ask you to take a life insurance medical exam. More: What you need to apply for term life insurance
If you are covered under a group life insurance policy through your employer, do you still need a personal policy?
It is generally a good idea to have your own life insurance policy outside the coverage provided by your employer. The policy through your employer is likely not enough and typically ends if you leave the job. More: Group life insurance through work