Protect your family
Life Insurance Coverage & Quotes
Life insurance replaces your income and covers obligations so your family is protected financially if something happens to you. Compare term and permanent options.
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Where are you located?
Life insurance rates depend on your age, health, and coverage goals. Start with your ZIP.
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Quick answer
Life insurance pays a tax-free death benefit to your beneficiaries. Term life covers a set period and is the most affordable option; permanent (whole) life lasts your lifetime and builds cash value. A common guideline is 10 to 15 times your annual income.
Types of life insurance
The two main categories serve different goals.
- Term life — covers 10–30 years at a lower cost — ideal for income replacement during working years.
- Whole life — permanent coverage that builds cash value, at a higher premium.
- Universal life — permanent coverage with flexible premiums and adjustable benefits.
How much coverage do you need?
Add up income to replace, your mortgage and debts, future education costs, and final expenses, then subtract existing savings and coverage. Many families start at 10 to 15 times annual income and adjust for their situation.
What affects your life insurance rate
Age, health, tobacco use, family medical history, and the coverage amount and term drive your premium. Buying younger and healthier locks in lower rates. Bundling can pair life protection with your home and auto coverage.
Related coverage
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Life Insurance FAQs
A common starting point is 10 to 15 times your annual income, adjusted for debts, a mortgage, future education costs, and existing savings. The goal is to replace income and cover obligations your family would face.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers