Get a Free Life Insurance Quote
Life insurance can help protect the people who depend on you financially if something happens to you.
Use the free quote tool below to compare available pricing, then talk with a licensed agent if you'd like help choosing the right type and amount of coverage.
We do not sell your information, and there is no obligation to buy.
Free quote • No obligation • Licensed help • Your information stays private
Life Insurance is extremely important to you and your family's well being. KNOW your options. Use this FREE self-help tool to quickly shop for the best life insurance rates available. Get accurate quotes from EXPERT agents that will make sure you have the right coverage.
Why Life Insurance Matters When You're Self-Employed
Many employees receive at least some life insurance through work. If you're self-employed, an independent contractor, or a business owner, you may not have employer-provided coverage to fall back on.
If your family depends on your income, life insurance can help create a financial cushion if you die unexpectedly.
- Help cover mortgage or rent payments
- Replace part of the income your household depends on
- Help pay everyday living expenses
- Pay off debts
- Help with future education expenses
- Provide funds for final expenses
- Help protect a business or give your family time to transition it
Term vs. Permanent Life Insurance
The right type of life insurance depends on what you want the policy to accomplish, how long you need protection, and what fits your budget.
Term Life Insurance
Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years.
It often has a lower initial premium than permanent life insurance for the same death benefit and can be a good fit when you want protection during specific financial years.
Common reasons include covering a mortgage, replacing income while children are young, or protecting a family during working years.
Permanent Life Insurance
Permanent life insurance is designed to provide coverage that can last for life as long as required premiums are paid and policy conditions are met.
Some types can also accumulate cash value over time.
Permanent coverage generally costs more than term coverage, so it's important to understand the policy structure, guarantees, fees, and long-term goals before choosing it.
Good to Know About Your Life Insurance Quote
Online life insurance quotes are usually an estimate based on the information you provide.
Your final premium and eligibility can depend on factors such as:
- Your age
- Your health history
- Prescription medications
- Tobacco or nicotine use
- Height and weight
- Family medical history
- Driving history
- Occupation and certain hobbies
- The amount and type of coverage requested
Want Help Choosing?
A life insurance quote is only part of the decision. You also need to decide how much coverage makes sense, how long you need it, and what type of policy fits your goals.
Choose a Coverage Amount
We'll help you think through income replacement, debts, mortgage obligations, family needs, and other financial goals.
Compare Policy Types
We can explain the differences between available term and permanent life insurance options in plain English.
Understand the Application
We'll explain what the insurance company may ask for and what to expect during underwriting.
Find a Comfortable Premium
We'll help you compare available coverage amounts and policy structures so you can choose something that fits your budget.
Quick Questions
How much life insurance do I need?
There isn't one number that's right for everyone.
A useful starting point is to think about how much income your family would need to replace, outstanding debts, your mortgage, education goals, final expenses, and how many years your family may need support.
We can help you work through those numbers before you choose a coverage amount.
Is the life insurance quote really free?
Yes. There is no cost to use the quote tool or talk with us, and there is no obligation to purchase a policy.
Will I need a medical exam?
Not always.
Some life insurance applications can be completed using health questions and electronic underwriting. Other policies may require medical records, lab work, or an exam.
Requirements depend on the insurance company, policy type, coverage amount, age, and health history.
How long does life insurance underwriting take?
It varies. Some applications can receive decisions relatively quickly, while others take longer if medical records, exams, or additional underwriting information are required.
What's the difference between term and permanent life insurance?
Term insurance is designed to cover you for a set number of years. Permanent life insurance is designed to provide longer-term coverage and may include a cash-value component depending on the policy.
Permanent coverage generally costs more, so the better fit depends on your goals and budget.
Can I get life insurance if I have health conditions?
Possibly. A health condition does not automatically mean you cannot qualify for life insurance.
Eligibility, pricing, and available policy types depend on the specific condition, treatment history, overall health, and the insurance company's underwriting guidelines.
Can I buy life insurance if I'm self-employed?
Yes. Being self-employed does not prevent you from buying individual life insurance.
In fact, life insurance can be especially important when your household relies on income from your business or self-employment.
Can business owners use life insurance for business needs?
Life insurance can sometimes be used as part of business planning, including certain buy-sell arrangements, key-person protection, or succession planning.
Those situations can involve legal and tax considerations, so business owners should coordinate with their attorney, accountant, or other qualified advisors as appropriate.
Can you help me with health insurance and life insurance?
Yes. If you're also shopping for health insurance, we can discuss both needs during the same consultation.
Will you sell my information?
No. We do not sell your information to outside lead vendors. The information you provide is used to help with your insurance inquiry.
Protect the People Who Depend on You
Whether you're protecting your family, replacing income, covering a mortgage, or planning for your business, we'll help you understand the life insurance options available to you.
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