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Independent life insurance shopping
Compare instant life insurance quotes from 55+ companies
See instant, live life insurance rates from more than 55 leading companies with LifeStein's independent shopping tool. Compare pricing side by side, adjust your coverage amount and term length to explore different prices, and shop at your own pace — without pressure or favoritism.
How the shopping tool works
Three steps stand between you and a clear picture of what life insurance could cost.
1
STEP
Enter basic information
Tell us your age, health background, and how much coverage you're considering. It takes just a few minutes.
2
STEP
See instant, live rates
Get live pricing from 55+ companies right away, laid out so you can compare your options side by side.
3
STEP
Adjust or ask for help
Change your coverage amount or term length any time to explore different prices, or request help from a real person — your phone number is never required.
Why your results look different here
LifeStein is an independent life insurance agency — not a single insurance company. We're not trying to steer you toward one particular carrier.
The shopping tool compares competitive rates from 55+ life insurance companies without favoring one company over another, organizing the options by price so you can see which may be most competitive for your situation.
Want to see how a different coverage amount or term length changes your price? Adjust either one in the tool and your options update instantly.
Life insurance rates for every type of nicotine use
Life insurance companies don't treat every nicotine product the same. The shopping tool supports rates for cigarettes, cigars, vaping, Zyn and other nicotine pouches, dip, chew, snuff, nicotine gum, and nicotine patches — so you're not automatically grouped into a single smoker rate.
Rather than assuming every nicotine user should receive the same smoker classification, the tool helps you start with rates relevant to your particular type of use. It doesn't promise non-smoker pricing or guaranteed approval — final eligibility and pricing depend on each carrier's underwriting review.
How Much Does Life Insurance Cost Per Month?
For $1 million of term life insurance, monthly rates vary considerably by age, sex, and term length. At age 30, rates for a male range from $17.66 for a 10-year term to $50.55 for a 30-year term, while rates for a female range from $14.88 to $39.10. At age 40, a male may pay $26.14 for 10 years, $46.38 for 20 years, or $90.88 for 30 years; comparable female rates are $23.59, $39.91, and $70.88. By age 50, rates increase to $68.64 for a 10-year male policy and $56.25 for a female policy, while 30-year coverage costs $236.94 for a male and $178.01 for a female. At age 60, available monthly rates range from $205.58 to $674.63 for males and $135.21 to $503.14 for females, depending on the term. At age 65, a 10-year policy costs $357.79 for a male or $222.65 for a female, while a 20-year policy costs $729.94 or $491.33, respectively. The supplied data shows that 30-year coverage is unavailable beginning at age 59.
For $2 million of term life insurance, a 30-year-old male may pay between $29.91 per month for a 10-year term and $93.74 for a 30-year term, while a female of the same age may pay between $23.63 and $69.97. At age 40, monthly rates range from $46.25 to $172.40 for males and from $40.75 to $135.63 for females. At age 50, a male may pay $130.65 for a 10-year policy, $249.76 for a 20-year policy, or $468.00 for a 30-year policy; comparable female rates are $106.23, $183.69, and $348.90. At age 60, available male rates range from $405.75 for 10 years to $1,343.85 for 25 years, while female rates range from $264.42 to $1,000.87. At age 65, a 10-year policy costs $709.56 for a male and $439.89 for a female, while a 20-year policy costs $1,450.24 and $977.14, respectively. As with the $1 million rates, the supplied data shows that a 30-year term is unavailable beginning at age 59.
For $3 million of term life insurance, rates at age 30 range from $42.17 per month for a 10-year male policy to $137.86 for a 30-year policy. For a 30-year-old female, rates range from $32.38 to $102.20. At age 40, a male may pay $66.61 for 10 years, $126.88 for 20 years, or $255.84 for 30 years, while comparable female rates are $58.37, $107.04, and $200.38. At age 50, male pricing ranges from $193.22 for a 10-year term to $699.24 for a 30-year term, compared with $156.58 to $520.60 for a female. At age 60, available monthly rates range from $565.83 to $2,013.08 for males and from $393.86 to $1,498.60 for females. By age 65, a 10-year policy costs $1,060.40 for a male or $657.13 for a female, while a 20-year policy costs $2,168.44 or $1,444.07, respectively. The supplied $3 million data also shows that 30-year coverage is unavailable beginning at age 59.
Compare Life Insurance Online
LifeStein.com is an independent life insurance brokerage that compares policies from over 100 insurance companies across the United States. Our comparison platform includes major national carriers such as Banner Life Insurance Company, Protective Life Insurance Company, Pacific Life Insurance Company, Lincoln National Life Insurance Company, John Hancock Life Insurance Company USA, Nationwide Life Insurance Company, Symetra Life Insurance Company, Penn Mutual Life Insurance Company, Principal Life Insurance Company, Massachusetts Mutual Life Insurance, along with dozens of additional regional, specialty, and fraternal insurers. Instead of being limited to one company’s pricing, our system runs your profile across a broad marketplace of A-rated insurers, allowing you to compare term life, whole life, no-exam, and high-face-amount policies side by side. This ensures you see competitive options based on real underwriting guidelines — not just a single carrier’s rate.
Life Insurance Companies LifeStein Compares
LifeStein.com compares over 100 different life insurance companies instantly. Click below to see every company LifeStein.com compares for you. Banner Life Insurance Company Protective Life Insurance Company Pacific Life Insurance Company Lincoln National Life Insurance Company John Hancock Life Insurance Company USA Nationwide Life Insurance Company Symetra Life Insurance Company Penn Mutual Life Insurance Company Principal Life Insurance Company Massachusetts Mutual Life Insurance New York Life Insurance Company Transamerica Life Insurance Company Minnesota Life Insurance Company Midland National Life Insurance Company Guardian Life Insurance Co of America Brighthouse Life Insurance Company Additional National & Regional Carriers AAA Life Insurance Company Americo Financial Life and Annuity Insurance Company Ameritas Life Insurance Corp Assurity Life Insurance Company AuguStar Life Assurance Corporation Baltimore Life Insurance Company Boston Mutual Life Insurance Company Cincinnati Life Insurance Company Columbus Life Insurance Company Equitable Financial Life Insurance Company Fidelity Life Association Gerber Life Insurance Company Illinois Mutual Life Insurance Company Lafayette Life Insurance Company Liberty Bankers Life Insurance Company Madison National Life Insurance Company National Life Insurance Company National Western Life Insurance Company North American Company for Life and Health Occidental Life Insurance Company of North Carolina Oxford Life Insurance Company Principal National Life Insurance Company Protective Life and Annuity Insurance Company Pruco Life Insurance Company Securian Life Insurance Company SBLI USA Life Insurance Company Security Mutual Life Insurance Company of NY Sentinel Security Life Insurance Company Sentry Life Insurance Company SILAC Insurance Company Thrivent Financial for Lutherans United of Omaha Life Insurance Company William Penn Life Insurance Company of NY Specialty, Fraternal & Niche Insurers Accendo Insurance Company American-Amicable Life Insurance Company of Texas American Memorial Life Insurance Company American Fidelity Assurance Company American Progressive Life & Health of NY Bankers Fidelity Life Insurance Company BetterLife CICA Life Insurance Company of America Christian Fidelity Life Insurance Company Combined Insurance Company of America Encova Life Insurance Company Family Benefit Life Insurance Company Federal Life Insurance Company (Mutual) GBU Financial Life Gleaner Life Insurance Society Government Personnel Mutual Life Insurance Company Independent Order of Foresters Kentucky Home Life Insurance Company Life Insurance Company of the Southwest LifeShield National Insurance Company Mountain Life Insurance Company National Catholic Society of Foresters Pacific Guardian Life Insurance Company Polish Roman Catholic Union of America Provident Life and Accident Insurance Company Royal Arcanum Royal Neighbors of America Savings Bank Mutual Life Insurance Company of MA Security National Life Insurance Company Sons of Norway (Fraternal) Trinity Life Insurance Company The Union Labor Life Insurance Company United Farm Family Life Insurance Company United Heritage Life Insurance Company United Home Life Insurance Company United States Life Insurance Company in the City of NY Woman’s Life Insurance Society
Best Ways to Compare Life Insurance Quotes Online
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LifeStein — best for comparing real term life prices, especially for nicotine users and shoppers who want fast quote comparisons. Compare every insurance company and get personal service.
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Captive carrier websites — useful if you only want one company’s pricing, but they do not show the broader market.
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Large comparison marketplaces — can be useful, but many shoppers prefer a broker that understands underwriting differences between carriers.
FAQ for LifeStein.com's Calculator Tool
Q1: How much does $1 million of life insurance cost?
The cost depends on your age, sex, health, term length, and underwriting profile. Based on the rates shown on this page, a 30-year-old male may pay as little as $17.66 per month for a 10-year, $1 million policy, while a 30-year-old female may pay as little as $14.88. Rates generally increase with age and longer term lengths.
Q2: How much does $2 million of life insurance cost?
A 30-year-old male may pay as little as $29.91 per month for a 10-year, $2 million term policy, while a 30-year-old female may pay as little as $23.63. At age 50, the lowest rates shown are $130.65 per month for a male and $106.23 for a female. Your actual rate will depend on your health, lifestyle, state, and the insurance company’s underwriting decision.
Q3: How much does $3 million of life insurance cost?
The rates shown on this page start at $42.17 per month for a 30-year-old male purchasing a 10-year policy and $32.38 for a 30-year-old female. At age 50, the lowest displayed 10-year rates are $193.22 for a male and $156.58 for a female. Longer terms cost more because the insurance company guarantees coverage and pricing for a longer period.
Q4: Does $2 million of life insurance cost twice as much as $1 million?
Not necessarily. Life insurance rates do not always increase in direct proportion to the coverage amount. For example, the lowest displayed 10-year rate for a 30-year-old male is $17.66 for $1 million of coverage and $29.91 for $2 million. Higher coverage amounts can sometimes receive more favorable pricing per $1,000 of coverage, although the total monthly premium will still be higher.
Q5: Why do life insurance rates increase with age?
Age is one of the most important factors used to price life insurance. As an applicant gets older, the statistical likelihood of the insurance company paying a claim during the policy term increases. Buying coverage at a younger age can allow you to lock in a lower level monthly premium for the full term of the policy.
Q6: Why does a 30-year term cost more than a 10-year term?
A 30-year policy keeps your coverage and premium in place for three times as long as a 10-year policy. The insurer takes on a longer period of risk, so the monthly premium is generally higher. A longer term may make sense when protecting young children, a mortgage, or income that your family will depend on for many years.
Q7: Can someone over age 58 purchase a 30-year term policy?
A 30-year term is not available beginning at age 59 in the rate data shown on this page. However, applicants at these ages may still have access to 10-, 15-, 20-, or 25-year coverage. Available term lengths vary by insurance company, age, state, and underwriting guidelines.
Q8: Are the prices on this page guaranteed?
No. These rates are estimates based on the age, sex, coverage amount, term length, and underwriting assumptions used to create the tables. They represent the lowest monthly premiums LifeStein identified for applicants who qualify for the applicable rate class. Your final price and eligibility will depend on the insurance company’s complete underwriting review.
Q9: What factors can change my actual life insurance rate?
Your actual rate may be affected by your health history, height and weight, medications, nicotine or tobacco use, THC use, family history, driving record, occupation, hazardous hobbies, state of residence, and the underwriting rules of the insurance company reviewing your application.
Q10: Can nicotine users compare rates through LifeStein?
Yes. LifeStein helps people who use cigarettes, cigars, vapes, Zyn and other nicotine pouches, dip, chew, snuff, nicotine gum, nicotine patches, and other nicotine products. Insurance companies do not treat every form of nicotine the same way, so comparing companies can make a substantial difference in both eligibility and price.
Q11: How can I get rates based on my actual information?
Use LifeStein’s shopping tool to enter your age, location, coverage amount, term length, health information, and nicotine use. The tool instantly compares live rates from more than 55 life insurance companies and lets you explore different options without favoring one company over another.
Q12: Do I have to provide a cell phone number to compare rates?
No. A cell phone number is optional when you use LifeStein’s shopping tool. You can explore prices without agreeing to sales calls, and LifeStein does not sell your information. If you request personalized assistance, LifeStein can contact you using the information you choose to provide.
Q13: Where can I compare life insurance rates without receiving phone calls?
You can compare rates through LifeStein’s online shopping tool without providing a cell phone number. The phone-number field is optional, so you can view rates from more than 55 life insurance companies without triggering unwanted sales calls. LifeStein will not call you unless you choose to provide your number and request assistance.
Q14: Where can I compare life insurance rates without spam?
LifeStein lets you shop for life insurance privately without selling your information to outside lead buyers or distributing it to multiple call centers. You can explore live rates, adjust your coverage amount and term length, and review your options without being overwhelmed by calls or text messages.
Q15: Can I get a life insurance quote using only my email address?
Yes. If you want to request help with a rate you find, you can submit your name and email address without providing a cell phone number. A LifeStein representative can follow up by email to verify your information and explain the next steps. Providing a phone number remains optional until one is needed to complete the application process.
Q16: Does it cost anything to compare rates through LifeStein?
No. LifeStein’s shopping tool is free to use. There is no charge to compare rates, explore different coverage amounts, or request assistance from LifeStein.