Protect your family the right way.
Clear, expert-level explanations of every kind of life insurance, plus a free way to compare quotes, so you can choose coverage with confidence.
Understand your options before you buy.
We break down how each type of coverage works, who it's best for and what to watch out for.
Term Life
Coverage for a set number of years, usually the lowest price per dollar of protection.
Learn more →Whole Life
Permanent coverage with fixed premiums and a cash value that grows over time.
Learn more →Universal Life
Permanent coverage with more flexibility in premiums and death benefit.
Learn more →Final Expense
Small whole life policies designed to cover funeral and end-of-life costs.
Learn more →No-Exam Life
Get covered without a medical exam, often decided in days instead of weeks.
Learn more →Life Insurance Over 50
Options and price factors for adults in their 50s, 60s, 70s and beyond.
Learn more →How LifeCover Pros works
Share the basics
Your age range, desired coverage and ZIP code. No long forms.
Review your options
See which policy types and insurers suit your situation.
Choose with confidence
Apply directly with the insurer you pick, on your schedule.
Good decisions start with good information.
Life insurance is a long-term commitment. Understanding riders, underwriting classes and conversion options up front can save you thousands over the life of a policy.
- Thorough guides. Detailed, accurate explanations of policy types, riders and underwriting.
- Unbiased comparisons. Look at your options side by side before talking to anyone.
- Privacy-minded. We never sell your info without clear consent.
A pro's pre-purchase checklist
Questions worth asking before you sign:
Estimate the coverage your family needs.
A simple version of the needs analysis professionals use.
Common questions
Is LifeCover Pros free to use?
Yes. Our guides and comparisons are always free. We may receive compensation from partners when you request a quote, which never changes the price an insurer quotes you.
Are you an insurance company?
No. LifeCover Pros is an informational and comparison service. Policies are issued by licensed insurance companies, and quotes come from them or their licensed agents.
Do I need a medical exam?
Not always. Many insurers now offer no-exam policies that use health questions and data checks instead. Larger coverage amounts or certain health histories may still require an exam.
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, plus debts like a mortgage and future costs like college. Our calculator above gives you a quick estimate.
Is term or whole life better?
Term life is usually the most affordable way to protect your family during the years they depend on your income. Whole life costs more but lasts your entire life and builds cash value. Many people choose term.
See what coverage could cost you.
Start with your age range and ZIP code. It takes about two minutes.