2025 Guide To Online Life Insurance Quotes
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
If you are looking for online life insurance quotes, you’re in the right place!
I’ve seen a lot of confusion lately about the difference between non-guaranteed and guaranteed universal life insurance. In this post, I’ll break it down for you so that you can make an informed decision on your future financial security.
Non-guaranteed is not as good as guaranteed because there’s no guarantee that the money will be there when you need it most. With guaranteed, at least the company has to pay up if they say they’re going to!
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Online Life Insurance Quotes
Did you ever go online looking for the best life insurance quote? We all have!
In fact, all we want to do is get the best deal, to not overpay. Well, then you know that there are many online life insurance websites on page one of Google.
You may have filled out many online forms like the one on the left that you see to get instant life insurance rates.
News Flash: We all have the same quotes!
The key is who the maker is, not the faker!
Free Instant Life Insurance Quotes Online
When you are sitting at your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it is important to understand that the quoter on most websites only reads what information you put in.
In order to get accurate quotes, you will need to speak to an independent agent. For instance, the agent will gather the right information in order to accurately pinpoint the accurate rating class which will determine the price.
Remember, the instant online life insurance quotes will not read current or past health conditions. In addition, every insurance carrier will loom at you differently. So it is very important to talk to an independent agent that is knowledgeable.
Get Life Insurance Quotes
Above all, the motivation behind getting life insurance is that you are needing to protect something. For instance, you have children, a mortgage, or a spouse that is a homemaker, just to name a few.
Somehow there will be someone or something that is dependent on you, we call this insurable interest. So you will need to figure out how much you need and for how long. Instead of talking about a mortgage, college tuition, I keep things very simple. I base everything on three very important things:
- The Youngest Child’s Age, because he/she is the one depending on you the most financially.
- What you make a year in a salary, because if you die tomorrow usually your paycheck dies with you.
- How many years until retirement.
Now that we have a starting point, let’s talk about what kind of life insurance quotes we will see online.
Instant Online Term Life Insurance Quotes
In order to receive accurate information online for instant term life insurance quotes you have to give the insurance age, coverage amount, and some personal information like your phone number.
This way when you speak to the independent telesales agent they will have all the accurate rates for you. Once you both isolate the accurate rating class, quote, carrier, then you will complete your application.
Whole Life Insurance Quotes Online
Getting online life insurance quotes is a very simplistic process, or it should be!
Whole life insurance is a life insurance policy for your entire life. It is usually 3-5 times more pricey than say a traditional term policy. The main reason is that the carrier knows it will have to cut a check for a death benefit.
Whole Life Insurance ‘No Medical Exam’
Most whole life insurance application is submitted with no medical exam. This process is favored by many as an easy and simplistic no-hassle way to get life insurance.
If you are over the age of 60, getting a no medical exam life insurance for seniors is usually a final expense or burial policy under $50,000.
The process of applying is very simplistic.
- Online life insurance quotes are as easy as 1, 2, 3!!!
- Figure out what your need is and how much coverage you need to accomplish your goal.
- Fill out the application and submit it to the carrier.
- Get approved, pay for your policy, and your covered!! It’s as easy as 1, 2, 3!!
Above all, instant life insurance quotes and getting coverage is really that easy.
Instant Online Final Expense Quotes (Our Top 3 Carriers)
Where to buy final expense insurance? That’s a great question, here are our top 3 final expense life insurance carriers. Over the years we have considered these 3 carriers the best final expense insurance companies in the industry. These carriers will also offer coverage for seniors over 75.
These life insurance policies offer superior coverage with a lot of options. In fact, living benefits are built into the policies offering chronic, critical and terminal illness riders.
What does final expense insurance cover?
- Final Funeral Arrangements
- Loose ends and unsettled debt
- Money for loved ones
Here is our TOP 3 Instant Quote Final Expense Carriers
Living Promise Whole Life Insurance
Level Benefit Plan
- Ages 45-85
- Face amounts: $2,000 – $50,000*
- Accelerated Death Benefit
- Optional: Accidental Death Rider
Graded Benefit Plan
- Ages 45-80
- Face amounts: $2,000 – $20,000*
- Graded benefit first 2 years**
Both plans offer competitive premiums and simplified underwriting.
*In WA, minimum face amount is $5,000.
**Limited coverage in first two years for natural causes.
Living Legacy – Final Expense Insurance
Level Benefit Plan
- Ages 50-85
- Face amounts: $2,500 – $35,000*
- Full benefit from day one
Modified Benefit Plan
- Ages 50-85
- Face amounts: $2,500 – $20,000
- Modified benefit first 2 years**
Both plans offer premium rates that never increase and simplified underwriting.
*Maximum coverage varies by age and health class.
**Limited coverage in first two years.
PlanRight Whole Life Insurance
Help reduce the burden of funeral costs with guaranteed premiums and benefits.
Preferred
Level benefit
Up to $35,000
Lowest premium
Standard
Level benefit
Up to $20,000
Basic
Graded benefit**
Up to $15,000
Guaranteed premiums, benefits, and cash values.
Includes: Accelerated Death Benefit, Common Carrier Accidental Death, Family Health Benefit riders.
Optional: Accidental Death Rider (for Preferred plan, additional premium).
**Graded benefit: Limited coverage first 2 years.
Term Life Insurance Quotes ‘No Medical Exam’
Above all, term life insurance is the most cost-effective life insurance you can purchase. In fact, if you’re just starting out with a family and a career it is the best way to protect your family.
We all remember the financial ups and downs that we go through when we start a family. Furthermore, having low-cost insurance will make life’s financial transitions easier.
With that said, some consumers prefer a no-nonsense fast, and easy process when getting coverage. Many carriers offer a no exam term life policy. In fact, I have had these policies go active within days of the application.
“I just had a 64-year-old client who was diagnosed with type 2 diabetes at age 38, taking 3 diabetes oral medications (No Insulin), A1C range 6.5-7.2 get approved in 4 days for a Table 2 standard rate with No Exam with American National!”
The convenience of a no exam policy is great for consumers on the go. However, if a consumer has health issues that could be getting worse.
A no exam may be the best bet at an affordable rate, especially if the insurance company rates you differently because of fluids (Blood, Urine).
No Medical Exam Life Insurance Carriers, Best Quotes
No Exam Life Insurance is as easy as 1,2,3! American National is our top no exam carrier up to $250,000, PERIOD! This fantastic product has living benefits built into the policy.
In addition, they have underwriting sweet spots such as:
- Cigar and Smokeless Tobacco,
- Sleep Apnea,
- Mild Depression/Anxiety, and
- Adult ADD
They also have Preferred Exceptions For Family History for:
- Colon Cancer
- Coronary Artery Disease
- Prostate Cancer
In addition, Standard Plus Consideration for:
- Prostate Cancer
- Type 2 Diabetes
- Coronary Heart Disease
TERM MADE SIMPLE
Level Term Life Insurance to Age 95 with 10/15/20/30 Year Level Premium Periods
Key Features
- Death benefit for mortgage, education, or other needs
- Convertible to permanent insurance without evidence of insurability
- Renewable annually after level premium period until age 95
Included Benefits
- Terminal Illness Accelerated Benefit (up to 100% of face amount)
- Confined Care Accelerated Benefit (up to $5,000/month)
- Chronic Illness Accelerated Benefit (portion of death benefit)
Optional Riders
- Accidental Death Benefit
- Accelerated Living Benefit (Critical Illness)
- Children’s Insurance (up to $15,000 per child)
- Disability Income (up to $2,000/month)
- Waiver of Premium (Disability or Unemployment)
Customize your plan to fit your needs.
YOUR TERM Level Term Life Insurance
Affordable protection for your life’s changes and challenges.
Coverage Options
- Terms: 10, 15, 20, 25, 30 years
- Non-medical: $50,000 – $400,000
- Medical: $100,000 – $10,000,000+
- Guaranteed level premiums and death benefit
Underwriting Choices
- Non-medical: No exams, based on health questions
- Accelerated: Fast-tracked review
- Full: Thorough health check for best rates
Included Riders
- Accelerated Death Benefit
- Common Carrier Accidental Death
- Family Health Benefit
Optional Riders
- Children’s Term
- Accidental Death
- Waiver of Premium
Convertible to permanent coverage without underwriting.
No Exam Life Insurance Quotes – Instant Approval 100% Online
Why would I buy life insurance online? Well with the technology today, why not. In fact, getting a no exam life insurance coverage can be achieved within minutes.
The application process is nothing more than a few questions in some cases. The insurance agency you deal with should give you the top life insurance rates when buying life insurance.
Furthermore, when you apply online to get affordable life insurance you only want to deal with the top life insurance company.
Not only is there no exam types of life insurance such as term life and whole life, but there is also a no-lapse universal life with Sagicor. This policy has coverage between $25,000-$400,000 and up to age 121.
Here is my contact information if you have any questions on this policy. Or to get a online life insurance quotes, click the quote box on the left.
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FAQs
What are Online Life Insurance Quotes?
Online Life Insurance Quotes are estimates of premium costs and coverage options provided by insurance companies through their websites or online platforms. They offer a quick and convenient way to get an idea of potential life insurance plans.
How Accurate Are Online Life Insurance Quotes?
Online Life Insurance Quotes are generally accurate estimates based on the information provided. However, the final premium may vary after a thorough underwriting process, where additional factors are considered.
How Can I Obtain Online Life Insurance Quotes?
To get Online Life Insurance Quotes, visit the websites of reputable insurance providers, fill out their online forms with necessary details, and receive instant estimates. Many insurance companies also offer tools for comparing quotes from different providers.
Is it Safe to Provide Personal Information for Online Quotes?
Reputable insurance websites use secure connections to protect your personal information. Ensure you’re on a legitimate site by checking for “https://www.pinnaclequote.com/” in the URL and reviewing the site’s privacy policy.
Can I Customize Coverage Options in Online Life Insurance Quotes?
Yes, many online platforms allow you to customize coverage options such as coverage amount, term length, and riders to tailor the quote to your specific needs and preferences.
What Factors Influence the Cost of Online Life Insurance Quotes?
Several factors affect the cost, including age, health, lifestyle, coverage amount, and term length. Younger, healthier individuals typically receive lower quotes.
Can I Purchase a Policy Immediately After Receiving an Online Quote?
In some cases, yes. Some insurance providers offer the option to complete the application process online, allowing you to move from obtaining a quote to purchasing a policy seamlessly.
Is It Possible to Change Coverage After Receiving an Online Quote?
Yes, you can often adjust coverage options before finalizing the policy. The online quote process is a preliminary step, and you’ll have an opportunity to review and modify your choices during the application process.
Are Online Life Insurance Quotes Only for Term Life Policies?
While term life policies are commonly quoted online, some platforms also provide quotes for permanent life insurance policies. It depends on the offerings of the specific insurance providers.
Conclusion
At your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it’s important to understand that the quote on most websites only reads what information you put in.
This means if you are looking for quotes online and don’t know how to make sure they’re accurate, we can help!
Simply contact us today and our team of experts will be able to take care of everything for you so that all you have to do is get the best deal possible.
With PinnacleQuote’s streamlined process from start to finish as well as its ability to provide competitive rates across many providers with one simple form submission (and without having to call anyone), an affordable rate could be just a call away.
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