If you want a hassle-free way to get instant life insurance quotes, look no further!
With just a few clicks, you can quickly and easily compare term and permanent life insurance quotes online from top insurers in a matter of seconds.
Not only that, but we’ll also give you all the necessary information to help you make an educated decision about your coverage needs.
So, let’s dive into our valuable tips to help you purchase life insurance online!
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Life Insurance Quotes Online
Obtaining immediate life insurance quotes can provide estimates for different coverage options, making it easier to explore term or whole-life policies.
However, many people don’t realize that getting an instant quote from comparison websites is often unlikely.
Many websites advertise free life insurance quotes but require significant personal information in order to generate one.
Sometimes, your personal information is even sold to other agents often without providing you with any pricing details.
We believe this practice is unfair to consumers. Before reaching out to an agent, we encourage buyers to do some preliminary price comparisons with our insurance calculator.
Get Instant Life Insurance Quotes
Instant Term Life Insurance Quotes
We understand the frustration that comes with providing personal information just to receive a quick life insurance quote online.
However, there’s no need to worry! Our term life quote engine allows you to compare rates from multiple reputable insurance providers all in one place.
You can obtain free term life insurance quotes for specific durations ranging from 10 to 40 years.
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How to Determine Your Coverage Needs
The first step in purchasing life insurance is determining the appropriate coverage amount.
This can be determined by considering your annual income and financial obligations like mortgage payments or education expenses.
To start, assess your yearly earnings and living costs. As a general rule of thumb, we recommend obtaining a policy offering a death benefit equivalent to 7-10 times your annual income.
For example, a 30-year-old earning $50,000 yearly will need at least a $500,000 death benefit to adequately support the family financially.
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Choosing the Proper Term Insurance Plan
Choosing a term life insurance plan that sufficiently protects your family while you have ongoing financial obligations is crucial.
Once you establish the amount of life insurance you need, it can be helpful to compare rates for different term lengths.
A ten-year term policy will always be the cheapest option, while a thirty-year policy will be more expensive.
For instance, a fifty-year-old male can secure a $1 million 10-year term policy for just $75 monthly. On the other hand, a thirty-year term would require monthly payments of $252.
We often find that a twenty-year term strikes the right balance regarding affordability. Our healthy fifty-year-old could obtain the same million-dollar policy guaranteed for twenty years for approximately $142 monthly.
To assist with your decision-making process, refer to our handy chart below, which outlines monthly costs based on age and death benefit amounts over various periods.
Quick Term Life Insurance Quotes
| $500k | $750k | $1mm | |
| Age | 10 | 10 | 10 |
| 30 | $15 | $20 | $22 |
| 40 | $19 | $25 | $29 |
| 50 | $42 | $64 | $75 |
| 20 | 20 | 20 | |
| 30 | $21 | $27 | $33 |
| 40 | $28 | $41 | $52 |
| 50 | $73 | $108 | $142 |
| 30 | 30 | 30 | |
| 30 | $32 | $47 | $58 |
| 40 | $53 | $76 | $99 |
| 50 | $125 | $185 | $252 |
* The monthly rates for term life insurance for non-smoking males
Instant Whole Life Insurance Quotes
Whole life and universal life insurance are permanent options that provide lifelong protection regardless of lifespan.
These policies offer consistent premiums and the added benefit of cash value accumulation.
The cash value growth is tax-deferred, making it a valuable asset in times of need or as an additional income source during retirement.
Many individuals also purchase whole life insurance online to create an inheritance for their loved ones and cover their final expenses.
A common choice is a policy with a $25,000 death benefit, which can help settle outstanding bills and funeral costs.
However, it’s worth noting that whole life insurance quotes obtained online often come with high premiums.
If these whole-life insurance quotes exceed your budget, a cheaper alternative called guaranteed universal life is available.
Universal life insurance provides the same level of protection throughout your lifetime but at a lower cost than whole-life coverage.
Starting with a $50,000 or even $100,000 universal life policy could be a sensible choice as it ensures adequate coverage without breaking the bank on premiums.
To illustrate this, let’s compare rates for males seeking a $100,000 universal life policy. Take note of the potential cost savings by only opting for coverage until age 90 or 95.
$100,000 Universal Life Insurance Rates
| Age | Age 90 | Age 95 | Age 100 |
| 50 | $65 | $72 | $77 |
| 51 | $67 | $75 | $81 |
| 52 | $69 | $78 | $86 |
| 53 | $74 | $82 | $90 |
| 54 | $81 | $89 | $95 |
| 55 | $91 | $98 | $100 |
| 56 | $94 | $102 | $105 |
| 57 | $96 | $106 | $110 |
| 58 | $99 | $110 | $115 |
| 59 | $101 | $114 | $121 |
| 60 | $103 | $118 | $128 |
| 61 | $106 | $125 | $136 |
| 62 | $110 | $130 | $143 |
| 63 | $117 | $139 | $153 |
| 64 | $126 | $150 | $161 |
| 65 | $135 | $160 | $171 |
| 66 | $136 | $166 | $182 |
| 67 | $137 | $171 | $193 |
| 68 | $146 | $183 | $207 |
| 69 | $158 | $196 | $222 |
* The monthly rates for universal life insurance for non-smoking males.
Are My Free Life Insurance Quotes Accurate?
Are My Free Life Insurance Quotes Accurate?You can now receive free life insurance quotes online without providing financial or medical details.
Our life insurance comparison tool will give you a rough estimate of affordable coverage for your family’s needs!
But are these life insurance prices accurate and genuine? Rest assured, our quotes are indeed accurate and provided by well-known insurance companies.
Generally, if you are in good health, the ultimate cost of your policy should not deviate more than 10% from your initial quote on our website.
Buy Life Insurance Online Instantly
Buy Life Insurance Online InstantlyAffordable Life USA allows you to anonymously compare instant life insurance quotes based on the basic information you provide our quote engine.
Unlike other life insurance comparison websites, we do not sell your personal information to other agents or insurance companies.
According to Insurify, you should steer clear of lead generation sites that only sell your personal information to other agents and never provide personalized life insurance quotes online.
Numerous insurance websites lack the licenses to sell life insurance and mainly generate revenue by selling leads. Consequently, these sites are of little value when efficiently comparing life insurance quotes.
So, how can you safely purchase life insurance online? The best comparison websites will provide you with an immediate life insurance quote and assist you in buying a policy.
Instant Life Insurance, No-Exam
Instant Life Insurance, No-Exam The electronic application process is becoming more popular with time-crunched buyers interested in instant life insurance coverage.
The quickest no-exam underwriting process usually consists of a quick MIB check, a prescription drug check, and a telephone interview.
If you meet the requirements, these no-exam policies can be as affordable as fully underwritten term policies.
However, it’s important to know that the underwriting process may be stricter than usual due to limited resources for verifying your health and assessing risk.
We recommend avoiding no-exam policies if you are of advanced age, have a pre-existing medical condition, or require a substantial death benefit.
Best Life Insurance Companies Online
Best Life Insurance Companies OnlineHere is our shortlist of top-rated companies that offer fast approvals without requiring medical exams.
However, most of these insurers may need to access your medical records for approval, which can take a few weeks.
- Penn Mutual: An excellent option for healthy individuals between the ages of 20 and 65. Penn Mutual offers up to a $7,500,000 death benefit without requiring lab work.
- Pacific Life: They offer up to $5 million coverage without a medical exam for individuals under 50 and up to $1 million coverage until age 69. You must have undergone an annual exam with blood work in the past 18 months to be eligible for Pacific Life’s instant life insurance.
- Lincoln Financial: Lincoln is a reliable choice for life insurance with its top-notch products and flexible underwriting. Lincoln Financial provides universal and term policies to individuals aged 18-60, offering coverage from $100,000 to $1 million.
Buying Life Insurance with an Exam
Buying Life Insurance with an ExamMany insurance companies require a brief medical exam to qualify for coverage. This exam evaluates your overall health and provides insurers with accurate pricing based on your medical history.
By opting for the exam, you may also be able to secure higher coverage amounts, as many insurers limit their options for individuals who choose to skip this process.
Use our calculator to compare life insurance rates and find a plan that suits your needs and budget.
We promise that our online comparison tool will save you valuable time and effort in finding the right policy.
Quick Life Insurance Quotes
- Select Duration
- Select Amount
- Press Get Quote
FAQ: Quick Life Insurance Quotes
FAQ: Quick Life Insurance QuotesWhy you shouldn’t wait to get life insurance? Purchasing coverage when you are young and healthy is beneficial because it comes with lower costs than when you’re older. Moreover, getting life insurance in your 20s helps protect your conversion eligibility in the future.
Can you buy life insurance online? You can purchase a life insurance policy online by answering basic health questions. If you qualify, you can buy the policy directly through an online platform without hassle or inconvenience.
Can you buy life insurance directly? Whether you purchase coverage directly from an online broker or a local independent insurance agent, the price remains unchanged. Only a handful of insurance companies sell their policies directly to consumers.
How fast can you get a life insurance policy? The timeframe for obtaining a policy can vary depending on the insurer and policy. In some cases, you may be able to get coverage within a few days, whereas traditional coverage typically takes a month or longer to process and finalize.
What life insurance policies can you borrow from immediately? You can only borrow against a whole life or universal life insurance policy. If you do take out a loan, it will decrease the death benefit if not repaid.
Trending Life Insurance Topics
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Affordable Life USA is dedicated to providing comprehensive life insurance solutions to families and business owners throughout the United States.
For over thirty years, our agency has provided a platform for comparing hundreds of life insurance policies without the stress of high-pressure sales tactics.
Our experienced team of financial planners has helped thousands of clients obtain affordable coverage through our efficient online application process.
Our founder, Eric Van Haaften, expanded our consumer-centric sales model nationally by leveraging the influence of renowned publications such as Time, Newsweek, and The Wall Street Journal.
Eric acquired his love for quantitative analysis while getting his business degree from Ferris State University, which provided a solid foundation for his analytical approach to financial planning.
Eric Van Haaften, LUTCF
1-877-249-1358
