Life insurance, simplified.
Answer three quick questions and we'll point you to the type of life insurance that fits your situation, then help you compare quotes in minutes.
Know your options in 60 seconds each.
Short, scannable breakdowns of every common type of life insurance.
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 →From question to quote
Answer 3 questions
Age range, coverage amount and ZIP code. That's it.
Get your match
See which type of coverage fits your age, budget and goals.
Compare and decide
Compare quotes and apply with the insurer you choose.
Skip the jargon. Get straight to the answer.
Most life insurance sites bury you in fine print. We focus on the few questions that actually determine what you need and what you'll pay.
- Built for speed. Get from first question to the right coverage type in minutes.
- Plain-English answers. Every term explained in a sentence or two.
- Your data, respected. We never sell your info without clear consent.
The 3 things that drive your price
Insurers mainly look at:
Calculate your coverage number.
Fill in a few numbers and see an estimate update instantly.
Common questions
Is PolicyGPT free?
Yes. PolicyGPT is always free for you. We may earn a commission from partners when you request a quote or buy a policy. That never changes the price an insurer quotes you.
Are you an insurance company?
No. PolicyGPT 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.
Find your coverage match.
Three quick questions. About two minutes.