Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • Big Lou Insurance Company is a rebrand of TermProvider, which offers both term and permanent life insurance options
  • Insurance rates with Big Lou will vary based on your overall health status, but the company promises to find competitive life insurance rates for every policyholder
  • Big Lou is not rated by the Better Business Bureau or A.M. Best

If you find it a bit overwhelming or disillusioning to search for whole or term life insurance quotes, you may want to consider Big Lou Insurance. Big Lou Life Insurance, a rebrand of the Term Provider company, prides itself on creating life insurance options for the average individual.

With Big Lou, prospective clients are given an accurate quote the first time around. And people who typically struggle to find affordable life insurance — or life insurance options at all — are often able to find something that works for them and helps to meet their needs and the needs of their family members.

As you shop for life insurance options, you may find that rates vary significantly from one company to the next. Because of this, it’s important for you to compare rates from several different companies at once to find the best coverage at the lowest price.

Don’t forget to use our free quote tool above to find and compare life insurance quotes from some of the most popular companies in your area today.

Who is Big Lou?

As a rebranding of the company Term Provider, Big Lou is less of a “who” and more of a “what.” Big Lou is a life insurance company, but the name is meant to denote a sense of commonality and simplicity that makes potential policyholders feel both welcome and accepted.

One of the major goals of the Big Lou life insurance company is to help clients understand exactly how the life insurance business works. Rather than hooking people with an unrealistically low quote only to disappoint them later with their actual life insurance rates, Big Lou tries to be honest and transparent with clients in order to set them up for long-term success.

While Big Lou offers both term and permanent life insurance rates, the company website does not offer much information about these types of policies, nor does it include options for any add-ons, annuities, or riders, though the website does mention that all of these are options with certain Big Lou life insurance policies.

Instead, the information on biglou.com focuses more on the types of people who find it difficult to get affordable life insurance rates and how Big Lou can help to make a difference.

For instance, Big Lou mentions that the following people often get discouraged when they shop for life insurance:

  • Individuals with heart disease
  • Individuals with diabetes
  • Individuals who are overweight or obese
  • Individuals with high blood pressure
  • Individuals with high cholesterol
  • Individuals with depression or anxiety
  • Individuals whose family has a history of serious medical conditions
  • Individuals over 50

While the list above may seem discouraging to many people, Big Lou’s goal is to prove that these people can still find better rates than they think. The website states that if people are honest with the company when it comes to their medical records, driving records, and prescription history, Big Lou can get them the best rates out there.

Even the Big Lou Insurance commercials focus on how Big Lou can help people who are overweight and in poor health can get affordable term life insurance rates.

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How much is life insurance with Big Lou?

It’s impossible to know how much you would pay for life insurance with Big Lou or any other company until you get a direct quote based on your unique information. But Big Lou promises to offer honest quotes the first time around. The company offers the following information on different rate classes for life insurance:

  • Preferred Plus. Includes clients with minimal medications and no notable health history (2% of policyholders)
  • Preferred. Includes clients who take minimal medications and mild health conditions (5% of policyholders)
  • Standard Plus. Includes individuals who may be overweight, need depression or anxiety medication, have sleep apnea, struggle with controlled, late-onset diabetes, and/or have cancer (13% of policyholders)
  • Standard. Includes people 20-30 pounds overweight and/or those who have diabetes, a history of cancer, and heart conditions (30% of policyholders)
  • Table Ratings. Includes people with health conditions that are more serious or severe than those listed above (50% of policyholders)

As you can see, where you fall as far as rate classes are concerned will significantly impact your overall life insurance quotes with virtually any company.

Another factor to consider when it comes to monthly life insurance rates is whether you want a term or whole life insurance policy. Big Lou offers both types of coverage, but term life insurance policies are almost always cheaper than whole life options.

The table below shows average monthly term life insurance rates for a 20-year policy based on age, gender, and the policy amount.

Average Monthly 20-Year Term Life Insurance Rates by Age, Gender, and Policy
Policy and Gender20's30's40's50's60's70's
$100,000 Policy Average Monthly Rates for Females$8$8$10$18$37$157
$100,000 Policy Average Monthly Rates for Males$9$9$11$22$53$208
$250,000 Policy Average Monthly Rates for Females$12$12$15$32$78$382
$250,000 Policy Average Monthly Rates for Males$13$13$19$41$110$412
$500,000 Policy Average Monthly Rates for Females$17$17$25$57$145$730
$500,000 Policy Average Monthly Rates for Males$20$20$33$74$206$805
$1,000,000 Policy Average Monthly Rates for Females$28$29$50$114$295$1,406
$1,000,000 Policy Average Monthly Rates for Males$35$38$58$144$407$1,547
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Now, compare those term life insurance rates to the table below, which shows average monthly whole life insurance rates based on age and policy amount.

Average Monthly Guaranteed Issue Whole Life Insurance Rates by Age and Gender
Age$100,000 Policy Average Monthly Rates (Female)$100,000 Policy Average Monthly Rates (Male)$250,000 Policy Average Monthly Rates (Female)$250,000 Policy Average Monthly Rates (Male)$500,000 Policy Average Monthly Rates (Female)$500,000 Policy Average Monthly Rates (Male)
25-years-old$84.91$93.70$203.14$225.12$400.19$444.14
30-years-old$97.35$107.71$234.24$260.14$462.39$514.19
35-years-old$112.93$128.24$273.19$311.47$540.29$616.84
40-years-old$132.15$153.90$321.24$375.62$636.39$745.14
45-years-old$156.17$190.79$381.29$467.84$756.49$929.59
50-years-old$191.66$234.90$470.02$578.12$933.94$1,150.14
55-years-old$243.17$294.84$598.79$727.97$1,191.49$1,449.84
60-years-old$311.63$399.24$769.94$988.97$1,533.79$1,971.84
65-years-old$421.69$528.00$1,045.09$1,310.87$2,084.09$2,615.64
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As you can see, the term rates in the first table are a lot lower than the rates listed in the whole life insurance table. It’s also obvious that rates differ based on a person’s age, gender, and the policy amount they choose.

Does Big Lou have good ratings and reviews?

Big Lou does not have much to go by in terms of ratings by companies like A.M. Best or the Better Business Bureau. But there are a lot of Big Lou insurance reviews on the company’s website. You may want to do your own research to see what clients think of the company outside of the Big Lou website to make sure the positive reviews don’t provide a biased view.

If you’re considering Big Lou for your life insurance needs, be sure to visit the company website to get a quote. You can also call the company to learn more about policy options, add-ons, insurance riders, and more.

Before you make a final decision for your life insurance policy, be sure to compare rates from several different companies. This will help you make sure you find the best coverage at the most affordable rates available.

You can use our free quote tool below to get started in your search for life insurance coverage today.