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Life Insurance Rates
Life Insurance Rates

Life Insurance Rate Calculator

See estimated life insurance rates from multiple insurance companies in just a few minutes. You can compare rates on your own without talking to anyone first.

Just remember: the lowest quote only matters if it's a rate you can actually qualify for.

Compare Life Insurance Rates

Start With a Quick Estimate

Choose your coverage amount, price guarantee period and basic health information to compare estimated rates. You don't need to get everything perfect—we can sort through the details later if you want help.

Choosing a Health Class

Not Sure Which Health Class to Choose?

That's normal. For a quick estimate, choose the class that seems closest to your situation.

Preferred Plus / Preferred
Generally for people with very favorable health and lifestyle histories.
Standard Plus / Standard
Often a better starting point when there are some health, medication, build or family-history considerations.
Table Rates
For more significant health histories that may result in a rate above Standard.
Still not sure? Run more than one class to see the range. If you have a significant health history or have been rated or declined before, don't worry about guessing—we can narrow down which companies are likely to be a better fit.
These are estimates, not approvals. Your actual rate depends on the insurance company's underwriting and the health class you ultimately qualify for.
Understanding Your Quote

The Cheapest Rate Isn't Always the Best Deal

Life insurance rates are based on the health class you select in the calculator. The problem is that insurance companies don't always look at the same health history the same way.

One company may offer you Preferred while another sees the same situation as Standard. A company that looks cheapest on the screen can become much more expensive once underwriting is finished.

The goal isn't to find the lowest number on the page. It's to find a competitive rate from a company you're actually likely to qualify for.

Why Two Similar People Can Get Different Rates

Health history
Different companies have different underwriting guidelines for medical conditions, medications and family history.
Build and lifestyle
Height, weight, driving history, tobacco or nicotine use, and certain activities can affect the rate class.
Carrier underwriting
Some companies are simply more competitive than others for certain situations.
What Affects the Cost

What Changes Your Life Insurance Rate?

Life insurance pricing isn't based on just one thing. A few details can make a meaningful difference in what you pay and which companies are most competitive.

Age

Rates on new coverage generally increase as you get older.

Health

Medical history, medications, build and family history can affect your rate.

Tobacco & Nicotine

Tobacco and nicotine use can have a significant effect on pricing.

Coverage Amount

More coverage generally means a higher premium.

Price Guarantee Period

Longer price guarantee periods generally cost more than shorter ones.

Insurance Company

Companies price risk differently, so the cheapest carrier can change from person to person.
That's why comparing companies matters—but comparing the right companies matters even more.
When Rates Need Context

Sometimes the Calculator Isn't Enough

If you're reasonably healthy and just trying to get an idea of cost, the calculator can give you a useful starting point.

But when health history, medications or other details enter the picture, comparing prices isn't always enough. Different insurance companies can look at the same situation very differently.

That's when it makes more sense to figure out which companies are likely to view your situation favorably before worrying about which quote is cheapest.

It May Be Worth Talking First If You...

Have a significant medical condition or health history
Take medications that may affect underwriting
Have been declined, postponed or rated before
Need a larger amount of coverage
Aren't sure which health class to use