LifeAdvisors · Independent life insurance
Life insurance for the people you love.
Compare term, whole, universal and final expense life insurance from top-rated carriers. See your estimated rate in about two minutes.
What type of coverage are you looking for?
Pick one — you can always compare others later.
Secure & private. We never sell your information.
Every type of coverage
Find the policy that fits your life
Not sure which is right? Our form will recommend one based on your goals.
Starting at ~$15/mo
Term Life Insurance
The most coverage for the lowest price.
Compare quotesCash value Guaranteed
Whole Life Insurance
Lifetime protection with guaranteed cash value.
Compare quotesIUL floor 0% typical
Universal & Indexed Universal Life
Flexible permanent coverage with growth potential.
Compare quotesMedical exam None
Final Expense Insurance
Affordable coverage for funeral and end-of-life costs.
Compare quotesExam Not required
No-Exam Life Insurance
Get covered in days, not weeks — no needles.
Compare quotesNot sure where to start?
Answer a few questions and we'll point you in the right direction.
Side-by-side
Compare life insurance types
Term Life
- Coverage length
- 10–40 years
- Typical coverage
- $100K–$10M
- Cash value
- No
- Premiums
- Level for term
- Relative cost
- $
- Best for
- Families, mortgages
Whole Life
- Coverage length
- Lifetime
- Typical coverage
- $25K–$5M
- Cash value
- Guaranteed
- Premiums
- Fixed for life
- Relative cost
- $$$$
- Best for
- Estate planning
Universal / IUL
- Coverage length
- Lifetime
- Typical coverage
- $100K–$10M
- Cash value
- Flexible / indexed
- Premiums
- Flexible
- Relative cost
- $$–$$$
- Best for
- Growth + flexibility
Final Expense
- Coverage length
- Lifetime
- Typical coverage
- $5K–$50K
- Cash value
- Small
- Premiums
- Fixed for life
- Relative cost
- $$
- Best for
- Ages 50–85
How it works
Coverage in three simple steps
Answer a few questions
Tell us about your goals, coverage needs and health. It takes about 2 minutes.
We compare carriers
A licensed agent shops A-rated insurers to find who'll give you the best rate for your profile.
Choose & get covered
Review your options with zero pressure. Many people are approved in days — some instantly.
Why LifeAdvisors
Independent advice. Not a sales pitch.
We don't work for one insurance company — we work for you. That means honest recommendations and the freedom to compare.
Licensed, salary-free advice
Talk to a real person who explains your options clearly.
Many carriers, one form
Skip filling out applications with every insurer.
Health conditions welcome
We know which carriers favor diabetes, heart history and more.
Always free
Your price is the same as going direct — often lower.
Every year you wait, coverage costs more.
Lock in today's rate — it only takes two minutes.