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

  • Most life insurance companies sell insurance over the phone
  • Life insurance companies use independent agents for telesales
  • The approval process is the same whether you buy life insurance over the phone, online, or in-person

There are many ways to get coverage from the best life insurance companies, including over the phone. The top life insurance companies sell coverage over the phone, online, and in person.

Life insurance companies that sell insurance over the phone will have agents call people to sell them coverage, or they will sell you coverage when you call them.

Shop around to find affordable life insurance companies that sell insurance over the phone. Each company will offer different rates, so comparison shopping is a must.

Enter your ZIP code now to compare free quotes from life insurance companies that sell insurance over the phone in your area.

What life insurance companies sell insurance over the phone?

Before the internet came along, life insurance companies would either sell coverage in person or over the phone. Now, most of the top life insurance companies will sell coverage over the phone, in person, or online with little wait time.

The best life insurance company for you will depend on your age, medical conditions, and other personal details.

For example, Prudential life insurance may be better for one person, but Mutual of Omaha life insurance may be cheaper for another.

Your rates are the same however you sign up for your policy. To give you an idea of costs, this table shows you average life insurance rates for non-smokers of various ages:

Average Life Insurance Rates for Non-Smokers
Insurance CompanyAverage rates for a single 25-year-old femaleAverage rates for a single 25-year-old maleAverage rates for a married 35-year-old femaleAverage rates for a married 35-year-old maleAverage rates for a married 45-year-old femaleAverage rates for a married 45-year-old maleAverage rates for a married 55-year-old femaleAverage rates for a married 55-year-old maleAverage rates for a married 65-year-old femaleAverage rates for a married 65-year-old male
John Hancock$172.50$178.30$178.30$189.80$241.50$292.10$407.10$533.60$937.30$1,380.00
Lincoln National$187.00$231.00$191.00$238.00$239.00$283.00$435.00$615.00$903.00$1,577.00
MassMutual.$132.00$147.00$137.00$151.00$209.00$230.00$373.00$451.00$763.00$1,049.00
New York Life$158$152$164$160$262$245$414$696$924$1,416
Prudential Financial$195.00$237.00$196.00$248.00$314.00$378.00$496.00$584.00$941.00$1,412.00
State Farm$143.00$164.00$166.00$175.00$238.00$239.00$341.00$396.00$684.00$955.00
Transamerica$164.00$176.00$161.00$171.00$229.00$255.00$453.00$527.00$1,139.00$1,367.00
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Keep in mind, your rates will vary based on your personal information, and you may have to pay a commission if you use an agent to buy life insurance, which can raise your rates.

No matter how you purchase life insurance, the process is the same. You will give your personal information and receive a quote. Then the approval process will begin.

The insurance company will verify all of the information you gave and may require a medical exam. Once that has been complete, if you are approved, your coverage will begin.

Comparing life insurance quotes online is the fastest way to find coverage that works for you. If you begin the process over the phone, you may have to wait for the agent to get a quote back to you.

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How much life insurance do you need?

Life insurance covers end-of-life expenses and any debts you leave behind to give peace of mind to your family.

The amount of life insurance you need in place depends on what you want your life insurance payout to do. Do you want it to pay off your mortgage or do you just want to leave an inheritance?

The type of life insurance you need will also depend on your health and where you are in life.

Typically, term life insurance is cheaper and helps cover family expenses, such as a mortgage. Term life insurance is only in place for a certain amount of time, such as 10 or 20 years.

Whole life insurance, on the other hand, is more expensive but doesn’t expire as long as you make your payments. Whole life can also offer a cash value.

What You Need to Know About Life Insurance Companies That Sell Insurance Over the Phone

It’s hard to find life insurance companies that don’t sell insurance over the phone. Most companies try to sell you life insurance in multiple ways.

No matter how you buy your life insurance, the process is still the same.

However, comparing life insurance quotes online is the fastest way to get started and find the coverage you need with the lowest rates.

Enter your ZIP code now to compare rates from life insurance companies that sell insurance over the phone for free today.