Protect Your Family’s Future with the Right Coverage
Compare term life, whole life, and senior final expense plans from 15+ top-rated carriers. Instant telephone quotes with zero sales pressure.
Estimate Your Monthly Quote
Live calculation calibrated against 15+ top A+ rated carriers
Based on standard-plus non-tobacco health. Locked-in level rates.
Top A+ Rated Carriers
We partner only with financially solid, top-tier insurance carriers with superior AM Best ratings.
50-State Licensed Agents
Direct phone access to certified insurance professionals licensed in your exact state of residence.
100% Free Comparison
Zero broker fees, zero markup, and zero hidden costs. You pay the exact carrier-published rates.
No Medical Exam Options
Qualify for instant or expedited coverage using simplified health questionnaires with no needle tests.
Two Core Insurance Categories to Meet Your Needs
Whether safeguarding your young family’s future or locking in guaranteed funeral funds in your retirement years, we have the right policy tailored for you.
Life Insurance
Replace your income, pay off remaining mortgages, fund children's education, or build tax-sheltered cash value with modern policies.
Final Expense
Ensure your children or loved ones are never stuck with $10,000+ funeral, cemetery, or medical bills. Permanent whole life protection that never expires.
Sample Term Life Insurance Monthly Rates
Sample monthly premiums for non-tobacco policyholders in standard-plus health. Rates locked for the duration of the policy.
| 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 | Quote Age 30 |
| Age 30 | $500,000 | 20-Year Term | $21.80/mo | $18.50/mo | Quote Age 30 |
| Age 40 | $250,000 | 20-Year Term | $23.40/mo | $19.80/mo | Quote Age 40 |
| Age 40 | $500,000 | 20-Year Term | $36.90/mo | $30.20/mo | Quote Age 40 |
| Age 50 | $250,000 | 20-Year Term | $54.10/mo | $42.60/mo | Quote Age 50 |
| Age 50 | $500,000 | 20-Year Term | $89.70/mo | $71.30/mo | Quote Age 50 |
| Age 60 | $250,000 | 15-Year Term | $135.20/mo | $99.40/mo | Quote Age 60 |
| Age 60 | $500,000 | 15-Year Term | $242.00/mo | $178.50/mo | Quote Age 60 |
Sample Final Expense Whole Life Monthly Rates
Sample monthly premiums for non-tobacco policyholders in standard-plus health. Rates locked for the duration of the policy.
| 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 | Quote Age 55 |
| Age 55 | $20,000 | Lifetime Whole Life | $61.20/mo | $48.00/mo | Quote Age 55 |
| Age 60 | $10,000 | Lifetime Whole Life | $39.80/mo | $30.40/mo | Quote Age 60 |
| Age 60 | $20,000 | Lifetime Whole Life | $76.50/mo | $58.90/mo | Quote Age 60 |
| Age 65 | $10,000 | Lifetime Whole Life | $51.30/mo | $38.20/mo | Quote Age 65 |
| Age 65 | $20,000 | Lifetime Whole Life | $98.40/mo | $74.50/mo | Quote Age 65 |
| Age 70 | $10,000 | Lifetime Whole Life | $71.10/mo | $53.80/mo | Quote Age 70 |
| Age 70 | $20,000 | Lifetime Whole Life | $138.20/mo | $104.90/mo | Quote Age 70 |
| Age 75 | $10,000 | Lifetime Whole Life | $104.60/mo | $79.40/mo | Quote Age 75 |
| Age 75 | $20,000 | Lifetime Whole Life | $202.80/mo | $154.20/mo | Quote 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 calculator to see sample rates.
Call (888) 681-6320
Connect with a friendly, licensed agent in your state. In a quick 3-minute phone call, we compare real-time underwriting rates across 15+ top carriers.
Lock In Rate & Rest Easy
Complete a simple digital application over the phone. Most policies require zero medical exams and can be approved in as little as 24 to 48 hours.
Compare America's Highest-Rated Life Insurers
We shop multiple top-tier carriers so you never overpay. Every provider in our network holds an Excellent or Superior financial stability rating.
Speak Directly With an Independent Insurance Specialist
Find the lowest rates for your age and medical profile. No robotic menus—speak with a live agent right away.
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 research team compiles, verifies, and updates life insurance and final expense information using publicly available statutory data from the National Association of Insurance Commissioners (NAIC) and state departments of insurance. LifePlanQuotes.com is a free consumer referral service. When you call (888) 681-6320, we connect you with independent, third-party licensed insurance agents and carrier representatives in your state to discuss your specific needs and review policy options.
Frequently Asked Questions
Clear answers to common questions about coverage, underwriting, and rates.