Answer four short questions and a licensed agent will contact you with options that fit your age, health and budget.
Affordable coverage options so you can protect those who matter most.
AmericaLifeInsurance.com is a free comparison service, not an insurance company. We are not an insurer, agency or broker, and we are not affiliated with any carrier — including any company with a similar name.
Why people put this off
These are not our numbers. They come from LIMRA’s 2026 Insurance Barometer Study, the industry’s annual survey of American consumers.
Source: LIMRA, 2026 Insurance Barometer Study — Rethinking Your Life (Insurance), published 20 July 2026. Cost comparison is for a 20-year, $250,000 term policy for a healthy applicant. View the study.
Three steps, and no obligation to buy anything at any point.
Your ZIP code, age range, the coverage amount you have in mind and whether you use tobacco — the information a licensed agent needs before they can quote anything.
The agency named in the consent text on the form receives the fields you submitted, and no other information. We never ask for Social Security numbers, bank details or card details.
They review the products available in your state, explain what each costs, and handle the application if you decide to proceed. Every rate and coverage decision comes from the carrier, never from us.
Coverage
Four products cover almost every situation. Each guide explains who the product suits, what it costs and where it falls short.
Cover for a fixed number of years, usually 10, 20 or 30. The cheapest way to buy a large death benefit, and the right answer for most people with a mortgage and children at home.
Read the term life guide →Cover that lasts for life and builds a cash value you can borrow against. Premiums are several times higher than term for the same death benefit, and they never rise.
Read the whole life guide →A small whole life policy, usually $5,000 to $25,000, designed to cover a funeral and any final bills. Approval is based on health questions rather than an exam, which is why it is common after 60.
Read the final expense guide →Policies underwritten from databases and health questions instead of a nurse visit. Some carriers approve up to $3 million this way, and several decide within minutes.
Read the no-exam guide →Honestly
Sometimes, and not always. Here is the comparison without the marketing.
| This site | Going direct to one insurer | A captive agent | |
|---|---|---|---|
| Number of carriers considered | Whatever the agency is appointed with | One | One company’s products |
| Cost to you | Free | Free | Free |
| Who pays for it | A referral fee from the agency | Built into the premium | Commission from their company |
| Advice on which product suits you | Not from us — from the licensed agent | From that insurer’s own staff | Yes, within one company’s range |
| Useful if your health is complicated | Yes — carriers differ enormously | Only if that one carrier takes you | Only if their company takes you |
| Rate figures published on the site | Sourced and dated, every table | Their own rates | Their own rates |
| Personal data we ask for | No SSN, no bank or card details | Full application data | Full application data |
We are not an insurance company, agency or broker. This table compares routes to cover, not products, and the middle two columns describe how those routes generally work rather than any named company.
Situations
Age, a diagnosis or a job can change which carriers will take you and what you pay. These guides deal with the cases where the usual advice does not apply.
Which products are still open to you, what a $10,000 or $25,000 policy actually costs at 70, 75 and 80, and how waiting periods work.
Cover for seniors over 70 →Why type 2 often prices at standard rates while type 1 usually carries a table rating, and the A1C thresholds underwriters actually use.
Diabetes and life insurance →DOT physicals, sleep apnea, hours of service and the rate classes carriers apply to commercial drivers.
Cover for truck drivers →Cost
Average monthly premiums for a 20-year term policy, non-smoker, across the whole US market. Age is the single biggest factor in what you pay.
| Age | Female | Male |
|---|---|---|
| 30 | $31 | $38 |
| 40 | $47 | $59 |
| 50 | $102 | $137 |
| 60 | $286 | $395 |
| 65 | $415 | $591 |
Source: MoneyGeek, 20-Year Term Life Insurance Rates, published 28 August 2026 — an average across 248,399 quotes from 20 major insurers, for a non-smoker of average build and health. View the source. These are market averages, not quotes; your own rate depends on your health, state and carrier.
See the full cost tables — $250,000, $500,000 and $1 million, smoker and non-smoker →
Learn
The two methods agents actually use — a multiple of income and the DIME calculation — worked through with real numbers, and where each one misleads.
Read the guide →The honest comparison: what the cash value in a whole life policy is really worth, and the specific situations where paying several times more per month is the right call.
Read the comparison →Yes. There is no charge to use this site or to speak with a licensed agent. We receive a referral fee from the agency to which requests are forwarded. That fee has no effect on the premium you are quoted. Our About Us page sets this out in full.
We share the details you submit — your name, phone number, email, ZIP code, age range, coverage range and tobacco answer — with the licensed insurance agency named in the consent text on the form, so they can contact you about coverage. We do not ask for and never collect Social Security numbers, bank details or payment information. Our Privacy Policy sets out your rights, including how to ask us to delete your information.
Yes. By checking the consent box you authorise a licensed agent to contact you by telephone, text message or email at the details you provided. You may withdraw that consent at any time, and the agent is required to honour the request. Our Contact page explains how.
No medical exam is required to obtain a quote. Whether a policy itself requires one depends on the product and the coverage amount. Our guide to no medical exam life insurance explains which policies skip the exam and what they cost.
No. AmericaLifeInsurance is an independent referral service. We are not an insurer, not an insurance agency, not licensed to transact insurance in any state, and not affiliated with any carrier, including any insurance company whose name resembles this website’s. We do not quote rates, approve coverage or provide insurance advice.
Every premium figure on this site is an industry average published by a third party such as MoneyGeek, NerdWallet, Forbes Advisor or Choice Mutual. Each table names its source and the date that source was published. We do not generate quotes ourselves and none of these figures is a quote. Our editorial standards explain how we choose and check them.
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