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Life insurance quotes: Compare and save

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What is life insurance?

Life insurance is a type of insurance that pays out a lump sum of money to the named beneficiaries upon the death of the insured person. Life insurance aims to provide financial support to the family or dependents of the insured person in the event of their death.
Several life insurance policies exist, including term life insurance, whole life insurance, and universal life insurance.

Term life insurance provides coverage for a specific period, such as 10, 20, or 30 years. If the insured person dies during the policy term, the beneficiaries receive a payout. If the insured person outlives the policy term, the coverage ends, and no payout is made.

Whole life insurance covers the insured person's entire life and includes a savings or investment component. Premiums are typically higher than term life insurance, but the policy accumulates cash value over time that can be borrowed against or used to pay premiums.

Universal life insurance is a more flexible form of permanent life insurance that allows the policyholder to adjust the premium and death benefit over time. It also includes a savings or investment component.

Life insurance can be an important part of financial planning for individuals with dependents who rely on their income or have significant debt or financial obligations. It can provide peace of mind and financial security in the event of an unexpected death.

Who needs life insurance?

Life insurance can be an essential financial planning tool for many individuals, depending on their circumstances and financial goals. Here are some groups of people who may benefit from having life insurance:

  1. Parents with young children: Parents who have young children may need life insurance to provide financial support to their children in the event of their unexpected death. The payout from a life insurance policy can be used to cover living expenses, childcare costs, and future expenses such as college tuition.

  2. Married couples with shared financial obligations: Married couples who share financial commitments such as a mortgage, credit card debt, or other loans may benefit from life insurance to ensure that the surviving spouse is not burdened with debt in the event of the other's death.

  3. Single-income households: Individuals who are the sole breadwinner for their household may need life insurance to provide financial support to their family in the event of their unexpected death.

  4. Business owners: Business owners may need life insurance to ensure that their business can continue to operate in the event of their unexpected death. A life insurance policy can provide funds to cover business expenses and potentially buy out the deceased owner's share of the business.

  5. Individuals with significant debt: Individuals with substantial debt, such as student loans or a mortgage, may need life insurance to ensure that their debts are paid off in the event of their death.


It's important to note that life insurance needs vary depending on individual circumstances, and it's always a good idea to consult with a financial advisor to determine the appropriate amount and type of life insurance coverage.

How do I get life insurance quotes online?

To get life insurance quotes, choose where and how you’d like to compare quotes from different companies. Most insurers and marketplaces will ask you for some information that affect your life insurance rates, such as your age, sex, and any health conditions. Then you’ll receive an estimate of what you can expect to pay, but your rate won’t be final until you officially apply and go through the underwriting process.

How do I get life insurance quotes from Linqrs?

You can compare quotes right now by using our website to get comparison life insurance quotes from different companies for free — then continue the connection with one of our licensed agents to get unbiased advice and find the best and most affordable options to fit your needs.

Ready to shop for life insurance? Find the insurance you need and save by shopping from the most trusted insurers.

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What type of life insurance policy do you need?

The type of life insurance you need depends on what kind of financial protection you’re looking for and your budget. Below are the most popular types of life insurance.

Term life insurance?

Term life insurance is the most popular type of insurance coverage because it's affordable and provides financial protection when you need it the most, usually during your peak earning years. Term life policies typically have a length between 10 years and 30 years, and they don't have any complex tax implications or restrictions.

How much does term insurance cost?

On average, term life insurance will cost less than $28 per month for a healthy 35-year-old buying a policy with a term of 20 years and a death benefit coverage of $500,000. Here are a few more average sample term life insurance rates for non-smokers.

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Whole life insurance

Whole life insurance is permanent life insurance that lasts your entire life. It’s five to 15 times more expensive than term life but comes with a cash value account separate from the standard death benefit. The cash value grows at a low-interest rate set by your insurer and is partly funded by the premiums you pay.

How much does whole life insurance cost?

On average, whole life insurance will cost $526 per month for a healthy, non-smoking 35-year-old buying a policy with a $500,000 coverage amount. Here are a few more monthly whole-life insurance rates for non-smokers.

No-medical-exam life insurance refers to policies that don’t require a medical exam for approval — you complete a health interview online or over the phone instead. Most no-medical-exam life insurance options are term policies that offer a faster application process for people with minor health conditions.

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Where to buy a life insurance policy

Once you’ve compared multiple quotes for life insurance, the next step is to buy your policy. You can buy a life insurance policy directly from a company, affiliated agents, or an independent broker.

  • Through platforms like Linqrs: We work for you. We connect you to agents that can offer unbiased advice and provide a more comprehensive array of quotes from many of the best life insurance companies on the market instead of just a single insurer. At Linqrs, we work with many agents representing more than ten different insurance companies and can help you quickly compare and buy a policy. 

  • Directly from the insurer: You can also work with a specific insurance company and apply through one of their agents. They’ll be familiar with that company’s products, but you’ll only be able to compare policies from that insurer.

  • Through an affiliated agent: Finally, you can work with an agent affiliated with one or more insurance companies. They’ll have access to those insurers’ product guides, but they might work on commission, which could influence their advice and the policies they offer you.

Buying life insurance is easy using Linqrs

Experts + great technology delivers great success

Get free quotes tailored to your needs.

We’re a marketplace — which means we partner with top life insurance companies to give you multiple quotes so that you can find the right policy for you.

Get free advice from licensed agents.

Our expert agents work for you, not the insurance companies. You can trust them to offer unbiased advice and help you understand all your options. 

Get support every step of the way.

The agents are there to advocate for you, and that doesn’t end when you buy your policy. 

Become one of our happy shoppers
Here's what our customers are saying.

The Linqrs team were awesome...

The agent I spoke to got me the best deal on term life, with a 20 year renewal instead of the usual 10 year renewal at most companies. It's in place and don't have to worry about paying more for the next 20 years.

Alicia, January 2

Their website is very easy to navigate...

The agent I talked to was very professional and helpful. I had a good experience doing business with this company. 

Olivia, November 6

Very helpful...

courteous and professional. They really actually look for the best policy for you and not just say it. Very patient as well.

Steven, December12

I am huge on customer service...

and it was great all around. Each person I worked with was knowledgeable, friendly. and responsive. Each time I called or emailed I got prompt attention and assistance.

Gloria, February 9

Ready to shop for life insurance? Find the insurance you need and save by shopping from the most trusted insurers.

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Universal life insurance

Universal life insurance is a flexible type of permanent life insurance that allows you to increase or decrease how much you pay toward premiums. If you decrease how much you spend, the difference is withdrawn from your policy’s cash value. It’s best for high earners trying to build a nest egg without entering a higher income bracket.

No-medical-exam life insurance

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