LifeStein's Life Insurance Calculator

Q1: How do I use the LifeStein.com Life Insurance Calculator?
A1: Simply click the “Life Insurance Calculator” button at the top of our site. Enter your basic information (age, zip code, health details, nicotine use, coverage amount, and term length). In seconds, you’ll see your top 15 quotes pulled from over 50 life insurance companies.

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Q2: Is my information private when I use the calculator?
A2: Yes. Your information is completely private. Unlike other sites, we never sell your data. The calculator form does not ask for your phone number, making it one of the most secure and consumer-friendly tools available. If you choose to move forward with a quote, we’ll communicate directly with you by email to verify your details and phone number. This way, you can feel confident knowing your information stays safe.

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Q3: How many life insurance companies can I compare with the calculator?
A3: Our calculator instantly compares up to 50 of the nation’s top life insurance carriers, including Protective, Pacific Life, Mutual of Omaha, Corebridge, Transamerica, Nationwide, and many more.

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Q4: Can nicotine users (Zyn, Velo, On!, vapes, cigarettes, dip, etc.) use the calculator?
A4: Absolutely. LifeStein.com specializes in helping nicotine users get the best possible rates. Our calculator adjusts for your exact nicotine use—whether it’s pouches, vaping, or cigarettes—so you see accurate quotes.

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Q5: Do I have to take a medical exam if I apply through the calculator?
A5: Not always. Many carriers we work with offer no-exam or instant-approval options. If you want the fastest coverage, we’ll guide you toward those carriers.

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Q6: What happens after I find a quote I like?
A6: Once you find the best option, click the “Request Coverage” button. We’ll email you directly to confirm your information. If you use our quote submission forms (outside the calculator), those will request your phone number for application purposes, but our calculator itself never requires it.

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Q7: Does using the Life Insurance Calculator cost anything?
A7: No, the calculator is completely free to use. You pay nothing to compare quotes, and we’ll never charge you for using the tool.

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Q8: Why should I use LifeStein.com’s calculator instead of another site?
A8: Unlike big call-center sites, LifeStein.com is independent and works directly with 50+ carriers. You’ll get unbiased results, specialized help for nicotine users, and personal guidance from the owner of the company—not a random sales rep. If you ever need help, you can call or text Matt Mims, the owner of LifeStein.com, directly at (601)-218-7854. You’ll never deal with a pushy sales rep—just honest guidance from someone who truly cares about helping you.