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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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

UPDATED: Nov 3, 2021

Advertiser Disclosure

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

  • You can easily compare insurance quotes using an online comparison tool that price compares for you
  • The difference between your financial obligations and your financial resources is the gap you need to fill with insurance
  • Gender, age, and health are factors that contribute to your life insurance quote and premium

One of the most important things you can put into place for yourself and your loved ones is life insurance. You will want to make sure that everything is set and in place financially if you were to pass away.

Life insurance companies that price compare are among some of the best-rated insurance companies, according to A.M. Best. For example, Protective Insurance Company is one of the cheapest life insurance companies that price compares with an A+ financial rating.

Life insurance companies that don’t price compare may still have some deals that appeal to you. Enter your ZIP code above to get free quotes from local companies today.

Which are the life insurance companies that price compare?

Some of the highest-rated life insurance companies that price compare are known for having the cheapest life insurance:

Cheapest Life Insurance Companies and Their A.M. Best Ratings
CompanySample Monthly RateA.M. Best Rating
Banner Life$46.63A +
Mutual of Omaha$61.28A +
Pacific Life$46.72A +
Principal$47.18A +
Protective $57.32A +
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Of the life insurance companies that price compare, Prudential, Mutual of Omaha, and Protective are among the top-rated insurance companies, with Protective being the highest rated of the group.

Other life insurance companies that price compare are:

  • Fidelity Life
  • AIG
  • Prudential
  • Transamerica

When you compare life insurance online you can look at multiple policies at once and compare different rates from different companies. We recommended comparing at least three different life insurance companies that price compare in order to get the most affordable life insurance quotes for you.

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How do I compare life insurance quotes online?

You can easily compare insurance quotes by using online comparison tools like the one above. But before you compare life insurance quotes, there are a few things you must have in order.

First, you should determine the financial obligations you would want to be covered if you were to pass away, plus consider the financial resources you already have.

Think about obligations such as:

  • Funeral and burial expenses
  • Income replacement
  • Debts you owe
  • Childcare
  • College tuition

Think about assets and resources such as:

  • Emergency savings
  • College savings
  • Retirement savings
  • Existing life insurance
  • Prepaid funeral costs

The difference between your financial obligations and the financial resources you have is the gap you need to fill with life insurance.

How are life insurance quotes determined?

An insurance company’s biggest goal is to make sure the people they are insuring do not pose a major risk to their investments. If they consider you too risky to insure, you will not be approved for a policy.

Companies determine risk based on a variety of different factors. First and foremost, they are going to want to know the type of policy and amount of coverage you are interested in. This will go towards deciding how much your premium is.

If you are high-risk and they still decide to accept you, expect your life insurance rates to be more expensive.

Life insurance rates by gender, age, and health are factors that are considered. Young, healthy adults typically have the cheapest life insurance quotes.

Underwriting is also a part of the factors used to determine your quotes. Underwriting includes filling out an application with questions about:

  • Your health
  • Smoking habits
  • Family medical history
  • Occupation
  • Hobbies
  • Recent or planned travel overseas

Insurance companies use third-party sources to gather information about medical histories, prescription histories, credit histories, and driving records.

For most insurance policies, a medical exam is required. These exams will determine how healthy you are. Some policies have no medical exam requirement.

What You Need to Know Before Comparing Life Insurance Quotes

There are a few things that are important to know before you obtain a life insurance quote. First, know that life insurance is more affordable than you think. Second, the younger you are when you buy life insurance, the more affordable it will be.

Understand that the application process is fast and easy. Lastly, be prepared to compare quotes from several different insurers. The first quote you obtain may not be the best insurance to invest in.

Find life insurance companies that price compare to make sure you’re getting the best prices. Enter your ZIP code below and get free quotes today.