Term Life
Affordable protection for a set period (e.g., 10–30 years).
- Lower premiums for higher coverage
- Good for income replacement & mortgages
- Ends after the term unless renewed
Compare Life Insurance Quotes Across the United States
Search by ZIP code or browse by state. Learn the difference between term, whole, and universal life—and how to choose coverage that fits your family.
• Independent & unbiased
• No spam, no hassle
• Free to use
Whole Life
Lifetime coverage with guaranteed cash value accumulation.
- Fixed premiums, guaranteed death benefit
- Builds cash value over time
- Higher premiums than term
Universal Life
Flexible premiums and cash value tied to credited interest.
- Adjustable premiums & death benefit
- Potential to grow cash value
- Monitor charges and performance
Browse Life Insurance by State
CaliforniaTerm vs whole—what fits your budget
TexasAverage premiums & top providers
FloridaHealth factors & underwriting basics
New YorkState-specific rules to know
IllinoisFamily coverage and riders
PennsylvaniaHow much coverage do I need?
OhioTerm length and conversion tips
GeorgiaMedical exams & no‑exam options
Featured Guides
How Much Life Insurance Do I Need?
Rule‑of‑thumb vs. detailed methods to size your coverage.
Term vs. Whole Life: Pros & Cons
Compare cost, duration, cash value, and flexibility side by side.
No‑Exam Life Insurance Explained
When accelerated underwriting makes sense—and when it doesn’t.
Compare Popular Providers
Provider A
Competitive term rates for healthy applicants.
Provider B
Strong whole life cash value guarantees.
Provider C
Flexible universal life options with riders.
Provider D
No‑exam policies up to select limits.
Life Insurance FAQs
What’s the difference between term and whole life?
Term life covers you for a set period at a lower cost; whole life lasts your entire life and builds cash value. Your budget and goals will determine which fits best.
How much coverage do I need?
Many households start with 10–15× annual income, then adjust for debts, kids’ education, and existing savings. Our guide shows both quick and detailed methods.
Can I get life insurance without a medical exam?
Yes, some insurers offer accelerated or no‑exam underwriting for eligible applicants, typically with limits and health questions.