The Best Way to Compare Life Insurance Policies Online (Without the Spam)
- mattmims
- 5 days ago
- 3 min read
If you're looking to compare life insurance policies from the entire U.S. market without being bombarded by phone calls, you're in the right place.
LifeStein.com has created the best online life insurance calculator for people who want real rates, complete privacy, and no pressure.
Built on the trusted CompuLife Software, our calculator filters and displays the top 15 quotes in the country—making it easier than ever to find your perfect life insurance policy.
How Does LifeStein Compare to Other Online Life Insurance Tools?
Unlike most online quoting platforms that:
Demand your phone number
Hide real pricing behind email walls
Send your info to 10+ call centers
LifeStein is different.We built our platform to give you clear, honest, and pressure-free quotes from 50+ top-rated life insurance companies in the United States.
Real Rates Even If You Use Nicotine or Drink Alcohol
Many quoting tools either ignore your real lifestyle habits—or worse, penalize you unfairly.
At LifeStein.com, you can accurately view life insurance quotes even if you:
Use nicotine pouches like Zyn, On!, or VELO
Drink alcohol socially or regularly
Smoke weed (recreationally or medically)
Vape or use e-cigarettes
Use nicotine patches, gum, or cigars
Your quote reflects real underwriting standards from top carriers like:
Legal & General
Banner Life
Pacific Life
Symetra
Mutual of Omaha
Protective
Transamerica
Penn Mutual
Corebridge…and 50+ more nationwide.
Serving All 50 States with the Best Life Insurance Quotes
No matter where you live in the United States—New York to California, Alabama to Alaska—LifeStein’s tool lets you shop rates from every major life insurance provider doing business in your state.
You don’t need to worry about hidden limitations. Our tool is fully compliant and accurate across all 50 states.
Real Testimonial: “I Thought I’d Pay Way More…”
“I use VELO a few times a week and assumed I’d be stuck with expensive smoker rates. I tried LifeStein’s calculator and saw my real quote—cheaper than what I got from another site. Nobody spammed me. I actually ended up talking to Matt, the owner, and he was awesome. Chill, helpful, and no pressure. Highly recommend.”– Josh C., Knoxville, TN

Why We Built This Tool: Helping Comes Before Selling
We don’t believe in spam, pressure, or fake urgency. At LifeStein.com, we’re on a mission to make life insurance easier, safer, and more human.
That’s why:
You don’t need to give your phone number
We don’t store your personal information
There’s no commitment, no sales pitch
You only deal with Matt Mims, the actual owner
“We don’t care to sell. We care to help. Helping others leads to sales—but helping always comes first.” – Matt Mims, Founder
How to Use the LifeStein Life Insurance Calculator
Using the tool takes less than a minute:
Enter your ZIP code, age, height, weight, and other basic details
Choose whether you use nicotine, drink, or smoke
Hit "Compare" to instantly view your top 15 quotes
If you like a quote, you can:
Submit a quote request
Email us directly
Call and speak to Matt personally
What Makes LifeStein’s Life Insurance Calculator the Best?
Here’s how we stack up against the competition:
Feature | Other Quote Sites | |
Top 15 real quotes shown | ✅ Yes | ❌ Usually not |
No phone number required | ✅ Yes | ❌ Often required |
Nicotine + alcohol friendly | ✅ Yes | ❌ Limited support |
Owner handles your case | ✅ Yes (Matt Mims) | ❌ Random rep/salesman |
Built on CompuLife Software | ✅ Yes | ❌ Not always |
Free + Public Access | ✅ Yes | ❌ Behind forms |
Used in all 50 states | ✅ Yes | ❌ Some state limits |
For Anyone Who Wants Clarity Without the Spam
This calculator is built for:
First-time life insurance buyers
Parents, couples, and business owners
Nicotine users frustrated by confusing rules
Anyone who wants a clear answer without pressure
Try It Now — No Spam, No Salespeople
Matt Mims
Owner of LifeStein.com
(601)-218-7854 - call or text
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