Live rates

Life insurance quotes, without the phone calls.

Real rates from the carriers I work with. Answer six questions and see the actual monthly premium. I do not ask for your email or your phone number to show you a price.

What kind of coverage

Date of birth

Gender

State

Coverage amount

$50,000$2,000,000

Any amount from $5,000 to $10,000,000. Type your own.

How many years

How is your health, roughly

Tobacco in the last 12 months

Only show policies with living benefitsLets you draw on the death benefit early if you become terminally or chronically ill. Fewer carriers offer it and it costs a little more.

No email or phone number needed. Nothing is sent to a carrier.

How this works

You get the number first: Six questions, no email, no phone number. The rates come straight from the carriers, not from a table of averages.
Nobody calls you: Seeing a rate here does not put you on a list. There is no lead sold behind this page. If you want to talk, you choose that.
Then I do the shopping: Underwriting is where the real money moves. Two people with the same age and the same amount can land in different places, and knowing which carrier forgives which condition is the whole job.

A rate is not an approval.

What you see above is what these carriers charge someone your age in your state at average health. Underwriting decides the rest, and that is the part worth a conversation. It costs you nothing: the carrier pays me, not you.

Book a 30-minute call Call 844-800-2253

Life insurance explained Final expense insurance About Justin Bautista

Justin Bautista, Licensed Insurance Producer · NJ License #3001996877 · JB Financial Services Agency (DBA approved by NJDOBI)

NPN: 20367089

Rates shown are quoted by the issuing carriers and are illustrative only. They assume an average health class and are not an offer of insurance, a binding quote, or a guarantee of coverage. Final premium, eligibility and terms are determined by the carrier's underwriting.