Check the carrier's strength
Each result shows the carrier's A.M. Best rating. Our guides suggest checking an insurer's financial strength ratings before you commit.
Live quotes
Live quotes from top-rated carriers, powered by Compulife
Compare real prices from many carriers in one place, then use our guides and Ask VeraLife to pick with confidence. No sign-up to see prices.
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1. How much do I need?
Work out your number first. The free Wealth Strategy Score asks eight quick questions, no email needed, and shows your three biggest gaps.
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2. Compare live prices
Enter your details in the quoter below. Prices come back from many top-rated carriers at once.
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3. Pick with confidence
Check each carrier’s A.M. Best rating, match the term to your longest need, and ask about riders before you apply.
Live quotes from many top-rated carriers, powered by Compulife.
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3. Pick with confidence
Match the term to your longest need
The premium stays level for the whole term. The longest of your clocks, such as the mortgage payoff or your youngest child's independence, usually sets the term. When in doubt, a longer term is usually cheaper than buying a new policy later.
Ask about riders
A rider is an add-on to the policy. A living benefits rider lets you take part of the death benefit early if you become seriously ill; what you take reduces what your family gets later.
Before you apply
What underwriting asks
- Insurers use underwriting to decide whether to sell you a policy and at what price. The Texas Department of Insurance says this "often includes passing a medical exam and answering questions about your health".
- New York's DFS lists your health and health habits, smoking for example, among the factors, and says an insurer may ask for a health questionnaire or a health examination.
- A company can charge you more if you have health conditions or smoke (Texas DOI). Florida's CFO notes that smaller policies may need less medical history, while larger ones can mean medical records and an exam.
- Answer fully and honestly. Texas says life policies "have a two-year contestable period", and North Carolina's DOI says contracts may be voided within the first two years.
Your free-look period
- Texas: "Texas policies have a free-look period of at least 10 to 20 days", and in it you may cancel for any reason for a full refund.
- North Carolina: "a minimum 10-day ‘free look’ period on new policies".
- California: the Department of Insurance describes "ten or more days to examine an insurance policy".
- Other states set their own rules. Check your policy and your state's insurance department.
Sources: Texas Department of Insurance · New York DFS · North Carolina DOI · California DOI · Florida CFO · Underwriting and health classes
Quotes come from Compulife's market data; your final price is set after underwriting. VeraLife.ai is not a registered investment adviser (RIA), broker-dealer, insurance company or insurance agency. We do not issue, sell or bind insurance. Insurance products discussed on the site are offered through licensed agents, who are responsible for their recommendations, and are issued by insurers. Education, not personal advice. Read our Disclosures.