Protect Your Family’s Future with the Right Coverage
Understand term life, whole life, and senior final expense plans, then get free quotes by phone from an independent licensed agent. No obligation to buy.
Ballpark Your Monthly Premium
A simplified formula for budgeting — not live insurer pricing or a quote
Example 20-year level term, healthy non-tobacco applicant.
Not a quote or an offer. Actual premiums depend on the insurer, your state, health, and underwriting and may be higher or lower.
Check Insurer Strength
Before you buy, look up the insurer's current financial strength rating and its license with your state insurance department.
Licensed Third-Party Agents
Calls connect to independent agents who must hold a license in your state. We do not employ agents or sell insurance ourselves.
Free to Use
Our guides and the phone referral are free. You never owe us anything, and you are never obligated to buy.
No-Exam Options
Many final expense plans use a short health questionnaire instead of a medical exam or blood test. Eligibility varies by insurer.
Two Core Insurance Categories to Meet Your Needs
Whether you are protecting a young family or setting aside money for funeral costs in retirement, start with the category that fits your goal.
Life Insurance
Replace your income, pay off remaining mortgages, fund children's education, or build tax-sheltered cash value with modern policies.
Final Expense
Help keep your children or loved ones from paying funeral, cemetery, or medical bills out of pocket. Small whole life coverage that lasts for life as long as premiums are paid.
Illustrative Term Life Monthly Premiums
Example figures for a healthy non-tobacco applicant, to show how age and coverage affect cost. Not quotes, not survey averages, and not any specific insurer's rates.
| Issue Age | Coverage Amount | Term / Plan Type | Male Monthly | Female Monthly | Action |
|---|---|---|---|---|---|
| Age 30 | $250,000 | 20-Year Term | $14.50/mo | $12.20/mo | Call for a quote at age 30 |
| Age 30 | $500,000 | 20-Year Term | $21.80/mo | $18.50/mo | Call for a quote at age 30 |
| Age 40 | $250,000 | 20-Year Term | $23.40/mo | $19.80/mo | Call for a quote at age 40 |
| Age 40 | $500,000 | 20-Year Term | $36.90/mo | $30.20/mo | Call for a quote at age 40 |
| Age 50 | $250,000 | 20-Year Term | $54.10/mo | $42.60/mo | Call for a quote at age 50 |
| Age 50 | $500,000 | 20-Year Term | $89.70/mo | $71.30/mo | Call for a quote at age 50 |
| Age 60 | $250,000 | 15-Year Term | $135.20/mo | $99.40/mo | Call for a quote at age 60 |
| Age 60 | $500,000 | 15-Year Term | $242.00/mo | $178.50/mo | Call for a quote at age 60 |
Illustrative Final Expense Monthly Premiums
Example figures for a healthy non-tobacco applicant, to show how age and coverage affect cost. Not quotes, not survey averages, and not any specific insurer's rates.
| Issue Age | Coverage Amount | Term / Plan Type | Male Monthly | Female Monthly | Action |
|---|---|---|---|---|---|
| Age 55 | $10,000 | Lifetime Whole Life | $32.50/mo | $25.10/mo | Call for a quote at age 55 |
| Age 55 | $20,000 | Lifetime Whole Life | $61.20/mo | $48.00/mo | Call for a quote at age 55 |
| Age 60 | $10,000 | Lifetime Whole Life | $39.80/mo | $30.40/mo | Call for a quote at age 60 |
| Age 60 | $20,000 | Lifetime Whole Life | $76.50/mo | $58.90/mo | Call for a quote at age 60 |
| Age 65 | $10,000 | Lifetime Whole Life | $51.30/mo | $38.20/mo | Call for a quote at age 65 |
| Age 65 | $20,000 | Lifetime Whole Life | $98.40/mo | $74.50/mo | Call for a quote at age 65 |
| Age 70 | $10,000 | Lifetime Whole Life | $71.10/mo | $53.80/mo | Call for a quote at age 70 |
| Age 70 | $20,000 | Lifetime Whole Life | $138.20/mo | $104.90/mo | Call for a quote at age 70 |
| Age 75 | $10,000 | Lifetime Whole Life | $104.60/mo | $79.40/mo | Call for a quote at age 75 |
| Age 75 | $20,000 | Lifetime Whole Life | $202.80/mo | $154.20/mo | Call for a quote at age 75 |
How to Get Your Best Insurance Rate
We take the confusion and hassle out of buying insurance. Get approved in three straightforward steps.
Explore Your Plan Options
Determine whether term life, whole life, or final expense burial coverage fits your household goals. Use our guides and estimator to get a rough idea of cost.
Call (888) 681-6320
Be connected with an independent agent licensed in your state, who can compare options from the insurers they represent.
Review and Decide
If you choose to apply, the insurer makes the underwriting decision. Many final expense policies need no medical exam. Read your policy during the free-look period.
How to Check an Insurer Before You Sign
Whichever company an agent recommends, these quick checks help you avoid surprises.
- Step 1Confirm the license
Make sure both the insurer and the agent are licensed in your state. Your state insurance department can confirm this.
- Step 2Look up complaint history
The NAIC Consumer Insurance Search shows complaint data and basic company information reported by state regulators.
- Step 3Check current financial strength
Ask the agent for the insurer's current rating from an independent agency such as AM Best, and when it was issued.
- Step 4Read the benefit terms
Ask whether the benefit is level, graded, or modified, how long any waiting period lasts, and what is paid if death occurs during it.
Sources: NAIC consumer resources, including Consumer Insurance Search; NAIC directory of state insurance departments.
Speak Directly With an Independent Insurance Specialist
Call during phone hours (Mon–Fri 8am–8pm ET) to compare options for your age and health with a licensed agent.
Life Insurance Rates & Regulations by State
Insurance regulations, free look periods, and guaranty funds vary by jurisdiction. Select your state to see local details.
LifePlanQuotes Editorial & Research Team
Independent Consumer ResourceOur editorial team writes plain-language guides on life insurance and final expense coverage, linking to public sources such as the NFDA, FTC, NAIC, and state insurance departments where we cite figures or rules. LifePlanQuotes.com is a free consumer referral service, not an insurance company or agency. When you call (888) 681-6320, you are connected with an independent, third-party agent who must be licensed in your state to discuss your needs and review policy options.
Frequently Asked Questions
Clear answers to common questions about coverage, underwriting, and rates.