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The Best Way to Compare Life Insurance Policies Online (Without the Spam)

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
Best Place To Compare Life Insurance Online Privately
Comparing Life Insurance Online Privately

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:

  1. Visit: https://www.lifestein.com/lifeinsurancecalculator

  2. Enter your ZIP code, age, height, weight, and other basic details

  3. Choose whether you use nicotine, drink, or smoke

  4. Hit "Compare" to instantly view your top 15 quotes

  5. 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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Terms & Conditions

LifeStein.com, is a licensed online insurance broker, is managed by Matt Mims Group LLC, doing business as LifeStein.com. The content available on this site is created by LifeStein primarily for general information and educational purposes. While we strive to keep the information current and accurate, please note that all insurance policy premium quotes or ranges shown here are for indicative purposes only and are not binding. The definitive premium for any policy will be established by the underwriting insurance company after the application process is completed.

LifeStein is the best place to buy Life Insurance Online

LifeStein.com

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