Find the Best Life Insurance Online — Instantly Compare Top Quotes with LifeStein
- mattmims
- Jun 11
- 3 min read
Looking for life insurance online? You're in the right place. LifeStein.com makes it easy to find, compare, and apply for the best life insurance online—all in one place.
Whether you smoke, vape, drink, or use nicotine pouches like Zyn or Velo, our quote tool is built for you.
💡 Quick Link:
👉 Use the Life Insurance Calculator Now to Instantly Compare Your Top 15 Quotes
What Makes LifeStein the Best Life Insurance Brokerage Online?
At LifeStein, we combine advanced quoting software with real, independent brokerage support. That means you're not stuck with just one company’s rates. Our online life insurance calculator pulls from 50+ top-rated carriers in real time.
When you fill out your info (it only takes a minute), we show you the top 15 quotes across the entire independent life insurance market. No fluff. No guessing. Just results.
How the Life Insurance Calculator Works
Visit our life insurance calculator page.
Enter your info — age, ZIP code, nicotine use, etc.
Click submit — and instantly see your 15 best quotes.
Choose your price — then request coverage directly from the results page.
It’s the easiest way to shop for life insurance online without getting overwhelmed by phone calls or endless forms.
Ideal for Smokers, Vapers, Drinkers & Nicotine Users
Most quote engines ignore real-life situations—like weekend drinking, vaping, or using nicotine pouches. Ours doesn't. We built the calculator specifically to help people with unique habits get fair quotes from the companies that actually understand their lifestyle.
That means:
Nicotine pouch users (Zyn, VELO, On!) can get rated Standard Plus or Standard—not “smoker” rates.
Cigarette smokers see only the carriers who actually offer good rates for their risk class.
Vapers and drinkers won’t get auto-declined or overcharged like they might on other sites.
No judgment. No guesswork. Just accurate quotes.
Why People Love Shopping for Life Insurance Online with LifeStein
✅ Instant quote results — no waiting
✅ Side-by-side comparisons of top life insurers
✅ Built for all 50 states
✅ Unbiased results — we’re a real life insurance brokerage, not just an ad site
✅ Perfect for people with unique health or lifestyle factors
Whether you're 25 and vape, or 60 and use Zyn only on the weekends, the calculator finds the best price in the entire market.
Companies We Compare (and Many More)
We shop your quote across:
Banner Life
Pacific Life
Protective
Symetra
Corebridge
Mutual of Omaha
Lincoln Financial
Cincinnati Life
Penn Mutual
Thrivent
Ethos
Securian
…and 50+ more trusted carriers.
Get the Best Life Insurance Online—Right Now
You don’t have to wait days or talk to 5 agents to get the best price. At LifeStein, one page shows you everything you need.
Try it now and see your real quotes in seconds:
About LifeStein.com
LifeStein is a modern life insurance brokerage online that helps people across all 50 states find the right coverage at the right price. Whether you’re super healthy or have some “habits,” we know how to match you with the best carriers.
Have questions or need help picking a policy? Text or call Matt Mims directly at (601) 218-7854 or email mattmims@lifestein.com. We’ll walk you through it.
Matt Mims
Owner of LifeStein.com
The Best Life Insurance Solution Online.
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