Best Financial Comparison Sites for Life Insurance Quotes

There are many reasons why people may put off, or even completely avoid, purchasing a life insurance policy. A big one is that it’s an additional expense, and it just might not seem worth it in the moment when food, housing, utility, and education costs take priority.

But no matter how much you may dread the idea of signing up for a policy and making premium payments, life insurance has several benefits. It can help provide peace of mind, keeping your dependents financially secure and ensuring they can afford your final expenses. You can also use life insurance for other purposes like charitable giving. 

If you’ve decided to purchase life insurance, it can be tricky to know where to start with all the different options out there. In this article, we’ll explore some of the best financial comparison sites for life insurance quotes to help you in the decision-making process. 

What to Consider When Buying Life Insurance

Life insurance policies can vary widely, and so can policyholders’ needs. Before purchasing life insurance, make sure you do your research and are aware of all the options that are out there. Here’s what you should consider:

• Term vs. Whole: There are two main types of life insurance policies: term and whole. Term policies are temporary and provide coverage for a set number of years. The typical term for this type of policy is anywhere from 10 to 30 years. 

On the other hand, whole life insurance is permanent and will last throughout your lifetime. Because of this, the premiums will be higher, but depending on your needs, it could be the best option for you. There are also other types of permanent life insurance policies, but whole life is the most common. 

• Life Insurance Riders: Riders are optional add-ons to your life insurance policy. They provide you with the flexibility to customize your plan, but riders come at an additional cost. One of the most common is a living benefit rider. This type of rider lets you receive some of your death benefit while you’re still alive if you’ve been diagnosed with a critical, chronic, or terminal illness. 

• Your Coverage Needs: The amount of coverage a policyholder needs will vary person-to-person. It’s important to carefully calculate how much you’ll need by factoring in income, debt, education costs, etc. 

• Your Health, Age, and Gender: Personal factors like these can affect how much you’ll pay for life insurance, or whether you’ll qualify at all. Often, life insurance policies will require a medical exam to assess your overall health and your family health history. If you have many pre-existing conditions, your premiums could be more costly, and you could even be denied coverage. 

The same goes for age. As you get older, your premiums will go up. It may be hard to find coverage at all, as insurance companies often set age limits. Additionally, men will find that their premiums are higher than for women, since women have longer life expectancies.

While it can be difficult to keep track of all these factors and decide on an appropriate policy, fortunately, there are several financial comparison sites out there that can help you pick a plan and get a quote.

BestMoney.com

BestMoney.com helps consumers shop for all sorts of financial products, including life insurance. They break it down so that you can get quotes for either term or whole life insurance. Keep in mind that you won’t get quotes directly from BestMoney. Rather, the site connects you with insurance companies that can do so. 

Pros

• Life insurance rankings: BestMoney ranks life insurance companies based on three factors: popularity, brand reputation, and features and benefits. Their ranking system can help you narrow down which companies to consider when choosing a life insurance policy. 
• Final expense and universal life insurance: Beyond term and whole life insurance, BestMoney also connects you with companies that can provide quotes for two other types of life insurance: final expense insurance and universal life insurance. BestMoney has rankings for these insurance types as well. 
• Age and income filtering: For term life insurance, BestMoney lets you filter by your age and income to see rates that are more specific to your situation. Filtering is also available for whole, final expense, and universal life insurance, but it’s based on age only. 
• Detailed reviews: Beyond their rankings, BestMoney publishes in-depth reviews of life insurance companies, covering features like the application process, policy terms, policy types, and safety. 

Cons

• No life insurance calculator: While they have articles discussing how to calculate the amount of life insurance coverage you’ll need, BestMoney doesn’t have an interactive calculator. A life insurance calculator can be a helpful tool in determining coverage.
• Can’t compare multiple quotes at once: The way BestMoney is set up is that for quotes, you’re directed to each individual company’s site. The problem with this is that you can’t easily compare multiple quotes at once — you can only see one quote at a time. 
• Have to fill out information for each company: Some sites let you fill out your information (age, gender, location, health conditions, etc.) once, and then you can get quotes for multiple companies. With BestMoney, you have to provide your details for each individual company. This can be time-consuming and make the process of comparing quotes more tedious. 

Insurance.com

Insurance.com is another popular site that connects individuals with life insurance companies that can give them quotes. The site doesn’t only focus on life insurance, however, it covers other types of insurance, including auto, home, business, and health. 

Pros

• Life insurance calculator: Insurance.com has an interactive life insurance calculator you can use to estimate coverage. You’ll input information about your debts, income, education expenses, and funeral expenses to find your coverage amount. The coverage amount automatically updates as you enter in each piece of information.
• Final expense insurance: In addition to connecting you with companies that can provide quotes for term and whole life insurance policies, Insurance.com can help you get quotes for final expense insurance. 
• Location and age filters: With Insurance.com, you’ll input your zip code and age bracket to get a curated list of life insurance companies that are available to you and could meet your needs. 
• Life insurance company rankings: Insurance.com ranks the top 15 life insurance companies, assigning each one an overall rating and a customer satisfaction rating. To develop their rankings, the site compiled information from a survey of customers, complaint data from the National Association of Insurance Commissioners (NAIC), and AM Best financial strength ratings. 

Cons

• Limited number of quotes: Insurance.com is very limited when it comes to linking you with life insurance companies that can give you quotes. For example, when I inputted my location and age bracket for term life insurance, I was given just one company to look at. Compare this to BestMoney.com, which gave me seven. 
• Can’t compare multiple quotes at once: With Insurance.com, you can’t see multiple quotes at once all on one page. You can only get one quote at a time, directly from the life insurance company’s site. 
• Have to fill out information for each company: Like BestMoney, Insurance.com requires that you fill out information on each life insurance company’s website. So if you want multiple quotes, you’ll have to provide your details multiple times. 

Policygenius.com

Policygenius.com works a little differently than BestMoney and Insurance.com. It’s not only a financial comparison website — it’s also an insurance broker, meaning that you can go through the site to purchase a policy. 

Pros

• Quick rate estimates: On Policygenius.com, you have the option to get a quick price estimate rather than a personalized quote. Provide your age, gender, zip code, policy length, and coverage amount to get a monthly estimate.
• Centralized online form: You only have to fill out one form to access quotes from multiple companies. This saves you the hassle of having to request quotes from each company individually.
• Life insurance calculator: After providing a few basic demographic and financial details, Policygenius’s calculator gives you a recommended coverage amount, along with a recommended term based on your age.
• Insurance company ratings and reviews: Policygenius has developed detailed ratings and reviews for several insurance companies. In determining their ratings, Policygenius uses real time-financial data and considers five factors: price, policy details, financial strength, transparency, and customer experience.

Cons

• Time-consuming online form: The online form you have to fill out to get quotes is pretty lengthy. Policygenius requires information on your age, gender, health conditions, family health history, substance use, criminal history, driving history, military service, and so on. It can take a while to complete. 
• Outdated reviews: As of the time of writing, Policygenius’s reviews were last updated in 2024. This may not sound too outdated, but the insurance industry changes rapidly, and certain details may not apply in 2026. 
• Some inputs missing from calculator: Policygenius’s life insurance calculator is somewhat limited and doesn’t collect certain details that can affect the final output. For instance, Insurance.com’s calculator asks about education expenses, funeral expenses, and retirement, none of which are incorporated into Policygenius’s calculator.

ValuePenguin.com

Similar to BestMoney and Insurance.com, ValuePenguin.com isn’t a broker, but they can help you find a policy that fits your needs.  

Pros

• Life insurance company reviews: ValuePenguin’s site has in-depth reviews of some of the top life insurance companies, including Colonial Penn, AIG, Ladder, and New York Life. The reviews start out with a rating out of 5, followed by pros and cons. This gives you a quick overview before diving into the details. 
• Insurance agents available 24/7: ValuePenguin has a phone number you can call to speak with a licensed insurance agent at any time of day or night.
• Location and age filters: ValuePenguin connects you with life insurance providers based on your location and age, as well as whether you’ve served in the military. 
• Average cost chart: The site has a chart providing a quick overview of how the average life insurance costs differ depending on your age and smoking status. 

Cons

• Limited number of quotes: ValuePenguin doesn’t give you many life insurance companies to choose from. When I filled out my zip code and age, I was presented with just one company. 
• No life insurance calculator: Some other sites have life insurance calculators that you can use to figure how much coverage you’ll need, but this isn’t the case with ValuePenguin. 
• No life insurance rankings: While ValuePenguin writes reviews on several life insurance companies, the site doesn’t have a master list ranking them. A ranking list would be helpful to see how they all stack up against each other. 

TheZebra.com

TheZebra.com can help you research and compare insurance plans. While their main specialty is auto insurance, they also provide valuable resources on life, renters, home, and pet insurance. 

Pros

• Age, gender, location, and coverage filters: By entering your zip code, age, coverage amount, and gender, The Zebra provides you with a curated list of recommended partners. 
• Several life insurance partners: When I input my demographic details, The Zebra gave me five different life insurance companies to choose from. This is far superior to some sites that only gave me one. 
• Life insurance guide: The Zebra has a detailed guide available to educate you on how life insurance works, which can help you make an informed decision. Their life insurance guide covers common questions, including those pertaining to the types of life insurance, riders, and the taxability of payouts. 

Cons

• No life insurance calculator: The Zebra doesn’t have a life insurance calculator, so you’ll have to go elsewhere to calculate how much coverage you’ll need. 
• No life insurance rankings and reviews: The Zebra isn’t the place to look if you want to read reviews of the various insurance companies and see how they rank against each other. They don’t rate or review any life insurance providers. 
• No estimates or average cost information: While The Zebra can connect you with life insurance providers, you can’t use the site to get a quick estimate of how much life insurance will cost you. They don’t provide estimates or average costs based on variables like age and gender. 

Which Site is Best for Life Insurance Quotes?

All the sites covered here can help you get life insurance quotes, so there aren’t any clear losers. However, my top pick for a site that’s focused solely on life insurance research and comparison is BestMoney. It can connect you with up to seven or eight insurance companies depending on your age and income.

Compare this to Insurance.com and ValuePenguin, which could only give you one or two companies to choose from. But if you’re looking for a site that’s also a broker, you might like Policygenius. Many people seeking life insurance end up visiting several sites to ensure they make a well-informed decision.