Life InsuranceLive carrier rates
Live rates, from the carriers that compete for it.
Live prices from carriers the agency can place coverage with, at the health class you choose. The carrier’s underwriting sets the final number. No contact details are required to see them, and nothing you enter is sold to anyone.
- Live rates at the health class you choose
- No contact details to see a price
- The carrier’s underwriting sets the final number
The six levers
What moves the number.
Six things decide almost every life insurance premium. Most of them are yours to move.
Your age
Every year you wait, it costs more.
The price is set on the chance of dying during the term, and that goes up with every birthday. Some carriers count you a year older six months after your birthday.
Tobacco
The biggest one you control.
Any nicotine, vaping included, usually puts you at two to three times the non-smoker price. Most carriers want twelve months clean before they price you again.
Your health class
Your health sets the price.
Carriers sort people into . Weight, blood pressure, cholesterol, family history and prescriptions decide it. Every quote on this page shows the class it assumed.
Term length
Buy the years you need.
Twenty years costs more than ten because the carrier carries the risk twice as long. Too many years is money wasted. Too few, then having to requote in your sixties, costs more.
Coverage amount
Check the next band up.
The price does not scale evenly. Carriers price in , so $500,000 can cost only a little more than $400,000. Quote the band above your number before you settle.
Product type
Not one product at four prices.
Term, whole life, and final expense solve different problems and are priced differently. The section below puts them in cost order.
Cost, by type
Four types, one price order.
For the same death benefit, least to most. Which one belongs in your situation is a different question; the term versus whole life guide takes it apart.
01
Term life
The least per dollar of coverage. A fixed number of years, no cash value, and the coverage ends when the term does.
02
Return of premium term
More than level term. Your premiums come back if you outlive the policy.
03
Whole life
Several times the cost of term. Permanent, and part of each premium builds cash value.
04
Final expense
Small amounts, the highest cost per thousand, and the lowest approval bar. Usually no exam.
Still working out the amount rather than the type? The coverage calculator guide walks through a formula that accounts for income, debts and what is already saved.
Good questions
Questions people ask at this point.
Do I have to give you my phone number to see a rate?
No. This page quotes without collecting contact information. If you decide to apply, the carrier needs your details to underwrite you, but nothing on this page requires them and nothing you enter here is sold to anyone.
Is the price I see here the price I will actually pay?
It is the carrier's real filed rate for the health class shown beside it. Your final premium is set by underwriting, so if the carrier assigns you a different class than the quote assumed, the number moves. That is exactly why the assumed class is displayed rather than buried.
Why do two carriers quote very different prices for the same person?
Because they underwrite differently. One carrier may be lenient about build, another about a family history of heart disease, another about a controlled prescription. No single company is cheapest for everyone, and matching your specific history to the carrier that treats it most kindly is most of what an independent agent is actually for.
Can I get life insurance without a medical exam?
Often, yes. Many carriers now offer accelerated underwriting that reads prescription, motor vehicle and claims databases instead of drawing fluids, and can issue in days rather than weeks. Eligibility depends on your age, the face amount you want, and what those databases return.
Does buying through an agent cost more than going direct?
No. Life insurance rates are filed with each state's department of insurance, and the carrier charges the same premium whether you buy through an agent or not. The carriers pay the agency. You do not pay us anything.
What if I already have a policy?
Bring it to the conversation. Replacing existing coverage is occasionally right and frequently not: a new policy restarts the contestability period, and your health today may not price as well as it did when you first bought. It is worth talking through before anything gets cancelled.
Or talk it through
Health history, an existing policy, or anything the form cannot ask about.
Justin answers the phone himself.
Justin Bautista, Licensed Insurance Producer · NJ License #3001996877 · JB Financial Services Agency
NPN: 20367089