Instant Online Life Insurance Quotes

100% accurate online life insurance quotes from the top life insurance companies in less than 60 seconds.

  • No Cost
  • No Obligations
  • Absolutely No Sales Pressure

Find coverage that meets your life insurance needs as well as your budget. Apply online or with the help of one of our licensed agents.

 

Quotes from the Best Life Insurance Companies

WE WORK WITH THE TOP RATED LIFE INSURANCE COMPANIES TO GET YOU THE BEST RATES

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Prudential Life Logo
Banner Life Logo
Principal Life Logo
Lincoln Financial Logo
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ANICO Life Logo

& Many More!

Compare Life Insurance Rates Online & Save!

Our goal at Top Quote Life Insurance is to provide a solution to getting instant life insurance quotes online. This allows you to shop and compare life insurance rates at your convenience and without getting bombarded by telephone calls or emails from multiple agents.

The instant online life insurance quotes displayed on Top Quote Life Insurance are 100% accurate and updated based on the selected health risk classification you have chosen.

Our online life insurance quote calculator will allow you to compare multiple rates from multiple life insurance companies. Every life insurance company offered will have an “A” or better rating from the AM Best rating agency.

When you find a rate that you are comfortable with, click the “apply” button to request an application. A representative of Top Quote Life Insurance will help guide you with the rest of the application process.

Calculate

Finding the right amount of coverage is easy when you use our life insurance quote calculator. Adjust your coverage amount and product types within seconds.

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Instantly compare rates for all types of life insurance coverage.

  • Term Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Final Expense
  • Return of Premium
  • No Medical Exam

Apply Online

Ready to apply for coverage? We make it simple by offering an easy online application process. This often leads to quicker approval times.

Instant Online Life Insurance Quotes are 100% Accurate

Instant online life insurance quotes are actual rates provided directly from the life insurance companies. Life insurance rates are updated immediately any time there has been a rate change with any one of our provided life insurance carriers.

With that said, the instant online life insurance quotes you view on our site are 100% accurate. The only variable with our instant online life insurance quotes will be your unique health risk classification situation.

Unfortunately, there is no way for an instant online life insurance quote calculator to factor this in. Therefore, rates should be viewed as an example of what you could qualify for pending the results of underwriting.

If you’re not sure of what your health classification will be, we encourage you to contact us to let us help you figure it out. You can also use the below guide for help with choosing the right health risk class for a more accurate quote.

Choosing a Health Risk Classification

There is no way for you to know with any surety what health risk classification you may fall in until underwriting has fully been completed. The reason is that every life insurance company will view health risks differently. This is just one of the many ways life insurance companies stay competitive with each other. It is also a significant reason why you should work with an experienced life insurance agency before applying for coverage.

An experienced life insurance agency that works with multiple life insurance companies will know as to which companies will be best for certain health risks.  

During the underwriting process, the life insurance company will determine your health risk classification eligibility based on a variety of personal attributes.

Life insurance companies will take into consideration, age, family history, health history, both past and current, driving record, height and weight, lifestyle choices, hobbies, and tobacco usage.

All of this information is analyzed and underwritten to determine a final risk classification usually fall within four categories: Preferred Plus, Preferred, Standard Plus, and Standard.

Most life insurance companies will offer a fifth health classification called table rating. A table rated health classification is generally available to applicants with higher health risks that do not meet the guidelines of four commons health classifications.

Preferred Plus is the best available health classification. Applicants who meet this health classification will often have no adverse health history, no adverse family health history and do not participate in any high-risk activities. Medical labs are all within guidelines for age. Height and weight meet guidelines for preferred plus risk class. Qualifying for this health classification will result in the lowest life insurance rates as you will offer little risk to the life insurance company.

Blood Pressure

135/85

Cholesterol / HDL Ratio

Under 5.0

Cholesterol

Under 300

Tobacco Use

None in past 5 years

(Can vary by age, medication use and company)

Preferred is the second-best available health classification. Most healthy applicants can qualify for this health classification. Applicants who meet the preferred health class may have one or two minor health issues. An example could be a slightly elevated lab result or current treatment to a less risky health condition.

Most companies will want there to be no family health history of death prior to age 60 of cancer or heart-related diseases. Participation in high-risk activities will not be accepted. Medical labs are generally within the guidelines for preferred along with height and weight. Qualifying for this health classification will result in very affordable life insurance rates.

Blood Pressure

140/88

Cholesterol / HDL Ratio

Under 6.0

Cholesterol

Under 300

Tobacco Use

None in the past 2 years

(Can vary by age, medication use and company)

Standard Plus is the third-best available health classification. This health classification is still ideal for healthy applicants with some low-risk health concerns. Applicants who meet the standard health class may have a few minor health issues. An example could be a few slightly elevated lab results that are not currently being treated by with any medications.

Most companies will want there to be no family health history of death prior to age 60 of cancer or heart-related diseases. Medical labs are generally within the guidelines for standard plus along with height and weight. Qualifying for this health classification will result in affordable life insurance rates.

**Note, a few life insurance companies will consider you at the Standard Plus health classification if you, chew, use a pipe or participate in cigar use.

Blood Pressure

145/90

Cholesterol / HDL Ratio

Under 7.0

Cholesterol

Under 300

Tobacco Use

None in 1 year

(Can vary by age, medication use and company)

Standard is the fourth available health classification. This health classification will come with slightly higher premiums than the other preferred health classifications. In return, it will offer much more lenient underwriting guidelines towards many health risks and riskier hobbies.

Most companies will not consider your family health history as part of the qualification process. Medical labs are generally within the guidelines for standard health class along with height and weight. Qualifying for this health classification will result in higher but relatively affordable life insurance rates.

The standard health classification is also commonly used with no medical exam life insurance policies.

**Note, if you qualify for the standard health classification you should not be discouraged at all. This is an average health class that most people qualify for, and it offers very affordable rates.

Blood Pressure

150/90

Cholesterol / HDL Ratio

Under 8.0

Cholesterol

Under 300

Tobacco Use

None in 1 year

(Can vary by age, medication use and company)

Which Type of Life Insurance Quote Is Best?

One of the first steps to comparing life insurance quotes will be choosing a type of life insurance coverage. The online quote comparison tool will be able to show rates for both temporary and permanent life insurance options. 

Determining which type of life insurance coverage that will be best for you will be based on several variables and whether or not your life insurance needs are temporary or permanent. The type of life insurance coverage you choose will also have an effect on your rates as well. 

Use this quick reference guide to help with choosing a life insurance coverage before running quotes.

Policy Features
Term Life Insurance
Universal Life Insurance
Whole Life Insurance
Final Expense Life Insurance
Affordability
$
$$
$$$$
$$$
Issue Ages
0-80
0-85
0-90
45-89
Premium Flexibility
None
Very Flexible
None
None
Protection Period
10-40 Years
Lifetime
Lifetime
Lifetime
Cash Value Potential
No
Yes
Yes
Yes

Term Life Insurance Quotes

Term Life Insurance is what is known as temporary life insurance coverage. Out of all the available types of life insurance, it is the most affordable and most purchased. 

If you need life insurance coverage, term life insurance will most likely be able to fulfill your insurance needs. Term life insurance is straightforward in the way that it works. Since term insurance is temporary life insurance coverage, it protects for a limited amount of time. Generally, you can choose how long you wish to have coverage. Most contract lengths are available 10, 15, 20, 25, 30 or even 40 years. 

During that time your premiums guaranteed remain locked in. Should you pass within the timeframe that your contract is active, your beneficiary will be paid out the entire death benefit of the life insurance policy. Term insurance does not accumulate any cash growth. You just need to pay the premium when due and that’s it.

>> RELATED: 2019 review of the best term life insurance companies

Universal Life Insurance Quotes

Universal life insurance is one form of permanent life insurance coverage. When comparing life insurance quotes, universal life insurance will fall in the middle on price. It is more expensive than term insurance but cheaper than whole life insurance.

Universal life insurance offers a guaranteed fixed premium that will last to age 121. This life insurance coverage can build up cash value but don’t expect massive growth. The idea behind universal life insurance is to provide an option for low-cost permanent life insurance protection.

If your life insurance needs are more on the permanent side, we highly recommend universal life insurance coverage. There are even a few companies that offer a return of premium feature just in case your life insurance needs changes later in life and you need to cancel coverage.

>> RELATED: 2019 review of the best guaranteed universal life insurance companies

Whole Life Insurance Quotes

Compare a term life insurance quote vs. a whole life insurance quote, and the price comparison is shocking. Whole life insurance can cost over 10x the cost of a term life insurance quote.

One of the biggest reasons for the massive difference is that whole life insurance can offer more than what term insurance can. For starters, whole life insurance is permanent insurance. Like universal life insurance, this coverage is often designed to last up to age 121. Some companies will let you even pay your coverage in shorter durations paying it completely off in 7, 10, 15, 20 or 30 years. There is also an option to make a single payment but be aware, this option will be costly. 

The most substantial difference that sets whole life insurance apart for the other insurance options is its ability to grow in cash value. Whole life insurance is like a forced savings account that grows over time. When paying premiums, a portion goes towards the cost of insurance and the other towards the cash value account. Another potential benefit that whole life insurance can offer is dividends. Life insurance companies that participate in paying out dividends to their whole life insurance policyholders can even further enhance overall cash value growth.

>> RELATED: 2019 review of the best whole life insurance companies 

Final Expense Life Insurance Quotes

Looking for a senior life insurance quote? If you are, final expense insurance might be the coverage you are looking for. Final expense life insurance policies are simplified whole life insurance policies. This type of coverage is ideal for people who are really looking to purchase a smaller amount of life insurance coverage to cover burial costs or smaller final expenses.

Most final expense whole life insurance policies are available in coverage amounts starting from $2,000 up to $50,000. As mentioned, seniors are the people who can benefit greatly when applying for final expense insurance. Final expense insurance does not require a medical exam. Approval is often based on responses to application questions. Premiums are locked in for the life of the policy and you can expect guaranteed cash value growth.

>> RELATED: 2019 review of the best final expense life insurance companies

No Medical Exam Life Insurance Quotes

If you want fast and convenient life insurance coverage, you will want to consider a quote for no medical exam life insurance. No medical exam life insurance has been out for a few years now and can easily be regarded as one of the most requested life insurance options.

No exam life insurance is available on just about every type of life insurance option. It just depends on whether or not the life insurance company you are receiving a quote from offers it as an option. Luckily most companies that we work do offer it as an option. Applying for a no medical exam life insurance policy does not take away from any benefits that the life insurance coverage is providing. It is just a more straightforward and much quicker way to apply for life insurance as long as you met the guidelines for no medical exam underwriting guidelines. 

Ideally, people who will benefit from a no medical exam policy will be in good health. If this is you then without a doubt, check out the rates that a no medical exam life insurance policy can offer.

>> RELATED: 2019 review of the best no medical exam life insurance companies

How Much Life Insurance Should You Get A Quote For?

Getting a life insurance quote is rather simple. The big question is how much life insurance coverage do you need a quote for?

The amount of life insurance coverage you choose to get a quote for is what is known as the death benefit. The death benefit is a tax-free lump sum payout that is paid to your beneficiary should you pass away.

Choosing a death benefit amount that is needed to protect your loved ones is not as easy as picking some random number. And selecting an astronomical amount that is way outside of what an insurance company would consider financial justification could be rejected.

The main objective of life insurance is to protect against financial loss. However, at the same time, the insurance companies must make sure that they are not allowing you to over-insure yourself.

To prevent overinsuring from happening, insurance companies will utilize an income factor table. The table allows for a maximum death benefit that can be applied for based on current age, annual income and then multiplied by a factor set by the insurance company.

Here is an example of an income factor table.

AGES

18-40
41-50
51-60
61-70
71-80

FACTORS

x35
x25
x20
x10
x5

Age 45 with an annual income $75,000 x 25 = maximum death benefit of $1,875,000

So how do you know how much life insurance you should get and what you can qualify for?

Talking with an experienced agent is one of the best ways to figure out how much life insurance you will need and what you can qualify for. 

Another great way is to use the use of an online life insurance calculator. An online life insurance calculator such as the one below can provide you with an excellent idea on how much life insurance coverage you need. 

Based on your responses to the questions, the online life insurance calculator will calculate the numbers and provide you with a perfect ballpark amount of coverage that you should consider.

Once you have that number, you can begin comparing life insurance quotes for one of the several different coverage options.

Calculate Your Life Insurance Needs

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