Free life insurance quotes

Compare life insurance quotes without the runaround

Answer a few quick questions and a licensed agent will compare options from multiple insurance companies for you. No cost, no obligation, and no Social Security number needed.

  • Term, whole life, and final expense coverage
  • No-exam options for many applicants
  • Licensed agents do the shopping for you
  • Requesting a quote never affects your credit

Compare life insurance quotes

Free, no obligation. About 2 minutes.

Enter a 5-digit ZIP code
You must be 18 to 85
Gender
Choose one
Used tobacco or nicotine in the last 12 months?
Choose one
Choose a coverage type
Choose an amount
Choose one
Enter your first name
Enter your last name
Enter a valid email
Enter a valid 10-digit US phone number

Your information is sent over an encrypted connection. We never ask for your Social Security number.

Thanks, you're all set

A licensed insurance agent will reach out to go over your options. While you wait, our term vs. whole life guide is a good place to start.

How it works

Three steps to the right policy

We keep it simple. You share the basics once, and an agent does the comparison work.

1

Tell us the basics

Your age, ZIP code, health, and how much coverage you want. It takes about two minutes.

2

An agent compares options

A licensed agent reviews policies from multiple insurers and looks for the best fit for your age, health, and budget.

3

You decide

Review your options and ask questions. If nothing fits, you walk away. There is never an obligation to buy.

What it costs

Term life often costs less than people expect

Here is what a healthy nonsmoker typically pays each month for a $500,000, 20-year term policy. Rates climb with age, which is why locking in coverage earlier usually saves money.

See rates for every age and coverage amount →

AgeNonsmokerSmoker
30$33$92
40$50$179
50$118$426
60$318$1,007

Average monthly premiums for a $500,000, 20-year term policy. Industry averages published by ValuePenguin, 2026. Estimates only. Your rate depends on the insurer's underwriting.

Transparency

How DirectLifeQuote works

DirectLifeQuote.com is a free referral service, not an insurance company. When you ask for quotes, we pass your request to a licensed insurance agent or agency that can help. They pay us for the introduction. You pay nothing extra, and the price of any policy is set by the insurer, not by us.

We don't sell your information to data brokers, and you can ask us to delete it at any time. Learn more about us.

Common questions

Is it really free to compare quotes?
Yes. There is no cost to use DirectLifeQuote.com and no obligation to buy. We are paid by the licensed insurance agencies we refer requests to, not by you, and that never changes the price of a policy.
Who will contact me after I submit the form?
A licensed insurance agent or agency we work with will reach out by phone, text, or email to go over your options. You can see who we work with on our partners page. You can opt out at any time.
Do I need a medical exam?
Not always. Many insurers now offer accelerated underwriting that can approve healthy applicants without an exam, often for coverage up to $1 million or more depending on age. Final expense policies usually skip the exam entirely. Read more in our no-exam life insurance guide.
How much life insurance do I need?
A common starting point is 10 to 12 times your income, but a better answer adds up your real obligations: income your family would need, your mortgage and debts, education costs, and final expenses, minus savings. Our coverage calculator does the math for you.
Will checking rates affect my credit?
No. Requesting a quote does not involve a credit check and does not affect your credit score.