Compare term, whole life and universal life insurance from top US carriers. Get the right coverage at the lowest price — free, unbiased guidance.
Choose the right type based on your budget, goals and how long you need coverage.
Pure death benefit for a set term (10, 20, or 30 years) — the most affordable life insurance.
Permanent coverage with guaranteed premiums and cash value that grows tax-deferred.
Permanent coverage with flexible premiums and a cash value component tied to market rates.
Permanent life where cash value is invested in market sub-accounts — higher risk, higher reward.
Smaller whole life policies for burial and end-of-life costs — easy approval, no medical exam.
Employer-provided coverage — usually 1–2x your salary. Not portable when you leave the job.
Estimate your monthly life insurance premium based on your age, health and coverage needs.
* Estimates only. Get precise quotes →
The three most common policy types compared.
| Feature | Term Life | Whole Life | Universal Life |
|---|---|---|---|
| Coverage Duration | 10–30 years | Lifetime | Lifetime |
| Monthly Premium | Lowest | Highest | Medium |
| Cash Value | No | Yes (guaranteed) | Yes (flexible) |
| Premium Flexibility | Fixed | Fixed | Flexible |
| Best For | Income replacement | Estate planning | Long-term savings |
A quick framework used by most US financial advisors:
Debt + Income (x10) + Mortgage + Education costs. Add them up for a solid coverage estimate.
Multiply your annual income by 10. A $80K earner needs ~$800K in coverage.
Factor in: years until kids are independent, spouse’s income, existing savings and debts.
Enough to replace your income for 10–15 years + pay off all debts including your mortgage.
Answers to common questions from Americans shopping for life insurance.
Compare life insurance quotes from top US carriers — free, fast and completely unbiased. Rates start from $26/month.