Free Life Insurance Quotes

Life Insurancely can help you find the right coverage

We connect individuals with insurance providers and other affiliates to give you, the consumer, an opportunity to get information about insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a partner that can connect you to an appropriate licensed insurance agent who can answer your questions and discuss plan options.

How Life Insurancely Works


Call our toll free number and we will connect you. Since we work with multiple life insurance carrier providers & brokers we will connect you with a life insurance agent.


The licensed insurance agent can go over various policy options that meet your needs. Feel free to ask any important questions as they can best guide you to make an informed decision.


Purchase your life insurance policy from the provider we have connected you with. Purchasing life insurance really is that simple!

Why Life Insurancely?

We assist in the confusing world of life insurance. Our services connects you with one of our partner life insurance agents who will help determine the best policy option based on your needs. Life insurance protects your loved ones by providing a reliable financial security should the unexpected occur.

A licensed life insurance Agent can also answer any questions you have, provide you with options based on your lifestyle or health condition. Based on the licensed life insurance Agents assessment there maybe opportunities to try and save you money or provide additional low cost benefits to your policy.

Finding the Right Life Insurance Plan For You and Your Loved Ones

When searching for the right life insurance plan you may consider looking into which life insurance carrier can provide you with a plan that gives you the best coverage for the price point that is affordable to you. When looking for a top life insurance carrier, you may consider looking into larger companies as they may have the best rates. Often a larger company is capable of giving you a much better rate than smaller companies because they have more resources available to them to aid in offering better pricing. There are many life insurance carriers to choose from  that can offer the highest quality service at an affordable price. The key to finding one you like is to spend some time in research looking for the best carrier and then getting some quotes from them as well.

Keep in mind there are various life insurance products. Don’t worry we will go over all the differences between each product so you’ll be able to make an informed decision.

Let's Get Started With A Life Insurance Quote!

Life Insurance Terminology. Everything You Need To Know

Before we address all the various life insurance products it is equally important to know the common life insurance terminology. This will help you navigate various life insurance plans and benefits.

Life Insurance Term Definition
Death Benefit Death Benefit is a lump sum that the life insurance policy will pay the Beneficiary upon the policyholder’s death. The death benefit is based on the face value of the policy. Also remember that the death benefit is tax-free to the beneficiary.
Premium Premium means the cost of a life insurance policy which can be broken down into payments that are monthly, quarterly, semi-annually, or annually. Premiums and the total cost you spend for the insurance will be contingent on the death benefit, family history, your health and other factors. Remember the higher the death benefit the higher premium you can expect to pay.
Beneficiary A beneficiary is the recipient of a life insurance policy’s death benefit. When purchasing a Life Insurance policy you will be required to provide a beneficiary. Thankfully a beneficiary can be one person, several people, or an organization, as determined by the life insurance policyholder. Oftentimes a Beneficiary can be a Trust which is apart of your Estate planning. Please discuss all available options with a licensed life insurance Agent in order to understand all the available options.
Cash Value Cash value is a specific component to a permanent life insurance policy. Cash value works similar to an investment or savings account. The cash value of the policy accumulates over the policyholder’s lifetime and can be withdrawn at any time or paid out upon the policyholder’s death. A licensed life insurance Agent can fully explain the benefits of a permanent life insurance policy that provides cash values.
Guaranteed Issue A Guaranteed Issue policy is a  type of life insurance where the insurer must issue if you can afford to pay the premiums. Applications for guaranteed issue policies cannot be rejected based on medical history that might normally warrant a rejection from a permanent life insurance application.
Term Term is the period of time a policy is in effect. For example, should you purchase a Term policy it will provide coverage of $100,000 for a 20-year term. If anything were to happen within the 20 years you are insured for the policy will pay out the Death Benefit to the Beneficiary(ies).
Whole Life Whole life is a permanent life insurance product that has a tax-deferred savings component. Whole life insurance policies can be 5-10 times more expensive than term life insurance policies. When considering a Whole life versus Term policy you will need to consider your health, family history, lifestyle, and other factors. A licensed life insurance Agent is capable of walking you through these many avenues.
Disability Income Rider Disability Income Rider is a policy add-on that provides a monthly payment to replace a portion of your income should you become disabled and are unable to work. Disability income riders typically are lower than your monthly income and thus do not always fully replace income. Speak with a licensed insurance Agent to see if this add-on is right for you.
  • Death Benefit: Lump sum payment of total death benefit
  • Premium: Total cost of insurance policy
  • Beneficiary: Recipient of a life insurance policy’s death benefit
  • Cash Value: Cash accumulation within the policy that can be withdrawn or paid out at time of death
  • Guaranteed Issue: Insurer must issue if you can afford to pay the premiums
  • Term: Period of time the policy is in effect
  • Whole Life: Permanent life insurance product
  • Disability Income Rider: Policy add-on that provides monthly payment should you become disabled or unable to work.

Types of Life Insurance Plans & Products

Term Life Insurance

Term life insurance is the most common type of life insurance. Term life insurance comes with an expiration date which is the period time you are covered. Term life insurance protects your loved ones and is often used to assist beneficiaries pay off major financial obligations such as mortgage, college tuition, and raising children.

Whole Life Insurance

Whole life insurance is permanent life insurance. That means it does not have an expiration such as Term insurance. Whole life insurance provides a cash value, similar to an investment or savings account that you can borrow from.

Whole life insurance is more expensive than term life. This can be helpful for some financial situations and estate planning.

Other whole life insurance products include:

  • Universal life insurance
  • Variable life insurance
  • Final expense life insurance
Final Expense

Final expense life insurance is also commonly referred to as burial insurance, provides enough coverage to pay for end-of-life expenses like medical care and funeral costs, but at a higher cost than term life insurance.

In America a funeral can cost between $5,000 – $15,000 not including other end-of-life costs such as medical expenses. This cost falls on the burdens of your loved ones. Final Expense or Burial Insurance can protect them from such financial pitfalls.

  • Term Life Insurance
  • Whole Life Insurance
  • Final Expense / Burial Insurance is a PRIVATELY OWNED website that is NOT owned or operated by any state or federal government agency.