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LIFE INSURANCE SIMPLIFIED

How it works

Calculate

Find the right amount of coverage with our life insurance calculator. No more, no less.
Compare

See the most affordable quotes from more than a dozen term life insurance companies side by side.
Apply

Apply online and have access to our expert team every step of the way.

Compare accurate life insurance quotes in one place, adjust term and coverage amounts, and view prices monthly or annually. Life insurance doesn’t get easier than this.

Not sure what you need?

Find out with our coverage calculator.

$20 Billion

and counting...

OUR TRACK RECORD

We’ve placed billions of dollars in coverage.

From coast to coast, we’ve helped over 4.5 million people shop for insurance, and protected our customers with over $20 billion in coverage.

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WE’VE HELPED MILLIONS OF PEOPLE

And they actually enjoyed it.

"Makes the process of getting life insurance painless and easy to understand."

- Thomas G.

"Awesome service! Great communication, easy to navigate website, even better pricing. Very happy."

- Brett D.

"Set expectations properly. Simple and proficient process. Professional people. Great follow-up."

- Peter T.

"Great experience with great team. Thank you for your help to get my life insurance quick and easy."

- Maja S.

Let’s get you some life insurance.

As seen on...

CALCULATE

The right amount of coverage. No more, no less.

Our coverage calculator takes you step-by-step to figure out exactly how much term life insurance you need.

HOW MUCH DO I NEED?

Comparing life insurance quotes side-by-side

COMPARE

All the quotes. None of the confusion.

Some term life insurance policies require a medical exam. Others don’t. Only Policygenius compares them side-by-side to save you money (and confusion).

Reviewing application progress and dashboard

APPLY

Easy application, expert advice.

Our simple dashboard lets you instantly check the progress of your application. We’ll even shop your policy around if your final rates come back different.

Let’s get you some life insurance.

REAL HUMAN HELP

Let our people protect your people.

Our licensed advisors deal with the insurance company so you don’t have to. No AI bots, no robocalls, no salespeople. Just real human help from start to finish.

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THE POLICYGENIUS PROMISE

We promise to help you get the best protection for your situation.

How we keep our promise

Widest choice of A-rated life insurers means we always find you the best price

Experience finding coverage for people with complex medical histories

We'll shop your offer around if the price changes during the process

SO, WHAT'S IN IT FOR US?

Our service is free. So how do we make money?

Like traditional brokers, we get commissions for life insurance policies we sell. The commissions are part of the price (same as anywhere else), so you don't pay more to use our service. Our reputation is important so we'll always find the policy that's best for you.

Understanding life insurance.

Valuable life

(insurance)

lessons.

The right life insurance policy is an essential part of your family’s financial safety net. But buying it can be confusing. How much coverage do you need? Should you buy term or whole life insurance? What determines your rate—and how do you know if you’re getting a good quote?

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What is life insurance?

Life insurance is a financial protection policy for your family that gives them a tax-free cash payment if you die while the policy is in effect.

Term Life Insurance

Term life gives you coverage for a set period of time—usually while you have dependents relying on your income.

Whole Life Insurance

Whole life insurance is a more expensive product that covers you for your entire life. It often has a cash value component that can be accessed while living and is best for high net worth individuals focused on legacy planning.

Types of life insurance.

Here’s a summary of some of the basic features and differences between the different types of life insurance.

Need more info? See our full analysis of term vs. whole life insurance.

	TERM LIFE	WHOLE LIFE	RETURN OF PREMIUM TERM LIFE	UNIVERSAL LIFE	VARIABLE LIFE	VARIABLE UNIVERSAL LIFE
Duration	1-30 Years	Life	1-30 Years	Life	Life	Life
Guaranteed Death Benefit	Yes	Yes	Yes	Yes	Yes	Yes
Guaranteed Cash Value	No	Yes	No	Protected from risk, but can be depleted to pay premiums	No	No
How cash grows (or shrinks)	-	Earns interest at predetermined rate	-	Variable rate determined by insurer	Subaccounts pool of investor funds offered by insurer	Subaccounts pool of investor funds offered by insurer
Premiums	Can increase periodically or be guaranteed to remain level	Level	Can increase periodically or be guaranteed to remain level	Varies, up to the customer (subject to federal tax laws)	Level	Varies, up to the customer (subject to federal tax laws)
Notes	No risk of losing coverage, but no cash value when term ends	No risk compared to other permanent types, but there are probably better investment options	Refunds your premiums at the end of the term if you outlive the policy	-	Risk of holding expensive insurance policy with little ot no cash value	Risk of holding expensive insurance policy with little to no cash value

Where do I start?

The first step to buying life insurance is calculating how much coverage you need. Our life insurance calculator will help you understand your needs based on your life circumstances and your financial situation.

Once you know how much coverage you need, Policygenius will compare quotes from the nation’s top carriers and find the best rates available for you. Even better, we’ll guide you through the entire application process until your policy is complete.

Ready to calculate your coverage?

LET'S GET STARTED

The average cost of life insurance.

Most Americans overestimate the cost of term life insurance by more than double. But a healthy 30-year-old male pays an average of just $21 a month for a 20-year policy. A $100,000 policy can be under $10 a month and increasing coverage to $1,000,000 costs $37 a month — less than half the cost of a typical internet bill.

COVERAGE AMOUNT	20-YEAR TERM COST
$100,000	$9/mo \| $105/yr
$250,000	$13/mo \| $150/yr
$500,000	$21/mo \| $240/yr
$750,000	$28/mo \| $325/yr
$1,000,000	$37/mo \| $425/yr

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Best life insurance companies for term life insurance.

PG certified carriers

Licensed in all 50 states

Excellent customer service

Good J.D. Power, AM Best, and BBB ratings

COMPANY	BBB RATING	A.M. BEST RATING	JD POWER RATING
Northwestern Mutual	A+	A++	799
Mass Mutual	A+	A++	780
Pacific Life	A+	A+	N/A
Guardian Life	A+	A++	760
Nationwide	A+	A+	806
Principal Financial	A+	A++	774
Banner Life	A+	A+	N/A
Mutual of Omaha	A+	A+	N/A
Guardian Life	A+	A+	766
SBLI	A+	A+	N/A
AXA Equitable	A+	A+	752
Lincoln Financial	A+	A+	744
Protective	A+	A+	742
Brighthouse	A+	A+	N/A
John Hancock	A+	A+	739
Transamerica	A+	A+	719
Primerica	A+	A+	717
AIG	A+	A	718
Prudential	A	A+	770
State Farm	B	A++	828
New York Life	B-	A++	828
Metlife	B-	A+	779

Let’s get you some life insurance.

The top five questions people ask us.

We’ve set a high bar to make Policygenius the only insurance site you’ll need. That means we:

Offer all the top life insurance companies so you don’t have to shop elsewhere
Provide the most accurate online quotes, without requiring any contact info from you
Explain what you need to know in plain English so you don't have to research elsewhere
Don't sell your info off to life insurance agents as a "lead." Our team is with you from start to finish.
Stand by our best price promise. If the insurer approves your application at a different rate than what we quoted, we'll shop your offer around to see if another life insurer can beat it.

All this service at no extra cost to you.