How does this life insurance company comparison tool work?

This calculator compares real term life insurance rates by running your age, state, coverage amount, term length, and basic health details across more than 100 different life insurance companies at the same time. It then shows you the lowest-cost options available for your specific profile based on current market pricing.

How many life insurance companies does this calculator compare?

The calculator compares pricing from over 100 life insurance companies, including large national carriers, mutual companies, and specialty insurers. This allows you to see a wide range of real market rates instead of quotes from just a few companies.

Are the rates shown by this calculator real?

Yes. The rates shown are based on actual underwriting guidelines and current rate tables used by licensed life insurance agents. These are not teaser rates or advertisements, but realistic pricing estimates for someone with your age, health, and coverage needs.

Why do life insurance prices vary so much between companies?

Each life insurance company uses its own underwriting rules and pricing models. One insurer may be cheaper for younger applicants, while another may be more competitive for certain health profiles or term lengths. This calculator highlights those differences so you can quickly see which companies offer the best value.

Does using this calculator affect my credit or require a commitment?

No. Using the calculator does not affect your credit score and does not commit you to purchasing a policy. It simply provides pricing information so you can understand your options before deciding whether to apply.

Life Insurance Company Comparison Tool

mattmims
5 days ago
2 min read

The Way to Find the Best Term Life Insurance Policy for Me — Life Insurance Companies Comparison Tool

Comparing Life Insurance Companies to Find the Best Policy for Me

How This Term Life Insurance Calculator Works

This calculator compares real term life insurance rates from over 100 different insurance companies—all at once. Instead of checking prices one company at a time, it runs your age, state, coverage amount, term length, and basic health details through the same pricing systems used by licensed life insurance agents.

Behind the scenes, your information is matched to an underwriting class and then checked against carriers like Banner Life, Protective, Pacific Life, Prudential, John Hancock, Transamerica, Mutual of Omaha, Nationwide, and many more. The result is a ranked list of the lowest-cost options available for someone with your profile, based on current market rates.

Why the Prices You See Are Different From Most Websites

Many life insurance “calculators” online show teaser rates or only compare a handful of companies. This tool is designed to show actual market pricing by shopping a wide slice of the industry, including large national insurers, mutual companies, and specialty carriers that are often cheaper depending on age and health.

Rates can vary dramatically from one company to another—even for the exact same coverage. This calculator helps you quickly see those differences so you can make an informed decision before applying.

What Happens After You See Your Rates

Seeing your price doesn’t lock you into anything. If you decide to move forward, a licensed life insurance broker reviews your results, confirms eligibility, and helps you apply with the company offering the best value. There’s no obligation, no pressure, and no requirement to buy—this tool is simply here to give you clarity on what term life insurance actually costs.

You can request a quote request from the calculator or by filling out a form on our Term Life Insurance Page.

Term Life Insurance Page

Matt Mims

Founder of LifeStein.com

mattmims@lifestein.com

Call/Text (601)-218-7854

(888) 612-7935

(601)218-7854