Life Insurance to Protect the People Who Depend on You
Compare term, whole, and IUL coverage from 25+ A-rated carriers — affordable protection for your family, with no broker fee.
Reviewed by Phillip Chin, licensed broker · NPN #8895251 · Updated June 2026Life insurance is the foundation of your family’s financial security. I compare 25+ top-rated carriers to find affordable coverage that protects your loved ones — with no broker fees, ever.
Whether you’re replacing your income, paying off a mortgage, or leaving a legacy, the right policy gives your family stability when they need it most. As an independent broker, I shop the entire market on your behalf to find the best coverage at the best price.
Not sure how much you need? Prefer to skip the bloodwork? See your no-medical-exam options. Or use the free Life Insurance Calculator →
Have a health condition? See our condition-specific guides:
Term vs. Permanent Life Insurance
Term Life Insurance
The most affordable way to protect your family during the years they need it most. Your premium stays level for the term you choose — 10, 20, or 30 years — and many policies can convert to permanent coverage later.
- Level Term — a guaranteed, fixed premium for your chosen period.
- Annual Renewable & Convertible Term — renew or convert without a new medical exam.
- Return of Premium Term — get your premiums back if you outlive the term.
Permanent Life Insurance
Lifelong protection that never expires and builds cash value you can borrow against. Ideal for estate planning, final expenses, and long-term financial strategy.
- Whole Life — guaranteed coverage, level premiums, and guaranteed cash value.
- Universal Life — permanent coverage with flexible premiums.
- Indexed & Variable Universal Life — cash growth tied to market indexes or investments.
- Guaranteed Acceptance — final-expense coverage with no medical exam or health questions.
Life Insurance Costs Less Than You Think
A healthy 35-year-old can get $250,000 of 20-year term coverage for around $25 a month — less than most of your everyday bills.
*Based on a 35-year-old male non-smoker, $250k 20-year term, preferred health. Your rate depends on age and health — get a quote for your exact number.How Much Life Insurance Do You Need?
A quick way to size your coverage: replace your income for the years your family would need it, then add major debts.
3 Easy Steps to Getting Covered
Calculate Your Needs
Use my calculator or one quick call to figure out exactly how much coverage your family needs — no guesswork.
Compare 25+ Carriers
I shop the market and present your best options side by side, explained in plain English.
Apply Online
Apply in minutes. Many term policies are approved the same day with no medical exam — and I guide you through every step.
Ready to Protect What Matters Most?
Get a free quote in minutes or call me directly — independent advice, 25+ carriers, and no broker fees, ever.
What Does Term Life Insurance Actually Cost?
Rates below are approximate monthly premiums for a $500,000 20-year term policy for a healthy non-smoking male. Women typically pay 20–30% less. Your exact rate depends on health history — call or get a quote online for your specific number.
| Age | Banner Life | Transamerica | Protective Life | Prudential |
|---|---|---|---|---|
| 25 | ~$19/mo ★ | ~$21/mo | ~$20/mo | ~$23/mo |
| 30 | ~$22/mo ★ | ~$24/mo | ~$23/mo | ~$26/mo |
| 35 | ~$28/mo | ~$27/mo ★ | ~$29/mo | ~$31/mo |
| 40 | ~$40/mo | ~$39/mo | ~$38/mo ★ | ~$43/mo |
| 45 | ~$63/mo | ~$61/mo | ~$59/mo ★ | ~$68/mo |
| 50 | ~$98/mo | ~$95/mo ★ | ~$97/mo | ~$108/mo |
★ Best rate shown at each age. Estimates for male non-smokers in preferred health. Actual rates vary. Call (646) 866-6990 for your exact number.
See My Exact Rate →
Coverage Guides
Life Insurance by Health Condition
Heart & Cardiovascular
High Blood PressureHigh CholesterolAfter a Heart Attack or StentsAFibAfter a StrokeLifestyle
Smokers & VapingA policy is only as reliable as the income that pays for it. Protect your paycheck with disability insurance →