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
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.
Tell us the basics
Your age, ZIP code, health, and how much coverage you want. It takes about two minutes.
An agent compares options
A licensed agent reviews policies from multiple insurers and looks for the best fit for your age, health, and budget.
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.
| Age | Nonsmoker | Smoker |
|---|---|---|
| 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.
Guides
Understand your options before you talk to anyone
Straightforward guides written for regular people, not insurance insiders.
Term life insurance
Affordable coverage for 10, 20, or 30 years. The right fit for most families.
Read the guide →Whole life insurance
Lifetime coverage with fixed premiums and cash value that grows over time.
Read the guide →Final expense insurance
Small whole life policies, often $5,000 to $40,000, to cover funeral costs and bills.
Read the guide →No-exam life insurance
How to get approved without needles or a nurse visit, and what it costs.
Read the guide →Life insurance for seniors
Your real options in your 60s, 70s, and 80s, and how to keep costs down.
Read the guide →Rates by age
What people typically pay at every age, plus what drives the price.
Read the guide →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.