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Compare Life Insurance Quotes by State & ZIP — Term, Whole, Universal & No‑Exam

Find the right policy for your family. Start with a ZIP code, or jump into our plain‑English guides, tools, and glossary.

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Term Life
10–30 year coverage Whole Life
Lifetime + cash value No‑Exam Options
Accelerated underwriting Coverage Calculator
Estimate your need

Term Life

Affordable protection for a set period.

  • Lower premiums for higher coverage
  • Good for income replacement
  • 10–30 year terms

Whole Life

Lifetime coverage with cash value.

  • Fixed premiums
  • Guaranteed death benefit
  • Builds cash value

Universal Life

Flexible premiums with cash value.

  • Adjustable coverage
  • Cash value growth
  • Requires monitoring

Browse Life Insurance by State

CaliforniaRates, riders & rules TexasTerm vs whole—what fits FloridaNo‑exam availability New YorkConsumer protections IllinoisFamily coverage tips PennsylvaniaCoverage calculators OhioUnderwriting basics GeorgiaRiders & exclusions

Featured Guides

Compare Popular Providers

Provider A

Competitive term rates.

Provider B

Strong whole life guarantees.

Provider C

Flexible universal life riders.

Provider D

No‑exam up to select limits.

Life Insurance FAQs

What’s the difference between term and whole life?

Term covers a set period at lower cost; whole lasts for life and builds cash value.

How much coverage do I need?

Start with 10–15× income, then adjust for debts, kids’ education, and savings.

Is no‑exam life insurance available?

Some carriers offer accelerated/no‑exam underwriting for eligible applicants.