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.
Three steps, and you are never obligated to buy anything.
Your ZIP code, age, coverage amount and tobacco use. That is enough for an agent to know which carriers are worth checking.
Your request goes to an independent agent licensed in your state. We do not sell policies ourselves.
The agent explains your options and what each one costs. Take it or leave it — there is no cost either way.
Most people only need to understand these before they talk to anyone.
Income replacement
Covers you for a set number of years, usually 10, 20 or 30. It is the cheapest way to buy a large amount of coverage, and it pays out only if you die during the term. Common for parents with a mortgage and young children.
Lifelong coverage
Covers you for life and builds a cash value you can borrow against. Premiums are considerably higher than term for the same death benefit, and they do not increase as you age.
Funeral and burial costs
A small whole life policy, typically $5,000 to $25,000, meant to cover a funeral and any last bills. Approval is usually based on a few health questions rather than a medical exam, which is why it is common after 55.
Straight answers, including the ones most sites leave out.
Yes. You pay nothing to use this site or to speak with an agent. We are paid a referral fee by the agencies we send requests to — that is our entire business model, and it does not change what a policy costs you.
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 — that is the point of the form, and it is what you agree to when you check the consent box. A licensed agent will call, text or email you at the details you provided. You can tell them to stop contacting you at any time and they are required to honor it.
Not to get a quote. Whether a policy itself requires one depends on the type and amount: many final expense policies use health questions instead of an exam, while larger term policies often require one. The agent will tell you which applies before you apply for anything.
No. We are an independent referral service. We are not an insurer, not an agency, not licensed to sell insurance, and not affiliated with any carrier — including any insurance company whose name resembles this website's. We cannot quote rates, approve coverage or give insurance advice. All of that comes from the licensed agent you are matched with.
Because it is one of the few things that changes a life insurance rate dramatically, often doubling it. An agent who quotes you without knowing will give you a number that falls apart at underwriting, so it is better to answer accurately up front.
Four questions, about two minutes, and no payment details at any point.
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