Compare life insurance quotes, coverage, and cost

Life insurance quotes show what you would pay each month for a set death benefit, the amount paid to the people you name if you die while the policy is active. For most families, a term life policy sized to income and mortgage fits best. For most older adults, a final expense policy that covers a funeral and remaining bills does.

Which type of life insurance fits you?

The right policy type depends on what you want the money to do. Families who need to replace a parent’s income usually get the most coverage for the price with term life. Older adults who want to cover a funeral and leave no bills behind usually fit final expense insurance. Whole life and universal life cost more and fit a few specific needs.

_{Policy features, guarantees, and eligibility vary by insurer. Most final expense policies are whole life, though a few insurers sell them as term coverage with no cash value. Permanent coverage can end if required premiums or funding are insufficient. “Best for” describes common uses, not a personalized recommendation.}

Term life insurance covers you for a set number of years, such as 10, 20, or 30. If you die while the policy is active, your beneficiaries receive the death benefit. If you outlive the term, the coverage ends.

Term life makes sense for anyone with people who depend on their income or care, such as a spouse, partner, children, or aging parents. The same goes for anyone with debt that someone else would have to pay.

Because the coverage lasts a set period, term life insurance quotes are usually much lower than quotes for permanent life insurance with the same death benefit. The lower cost lets families buy the most protection during the years they have the biggest financial responsibilities, such as raising children or paying a mortgage.

Final expense insurance

Final expense insurance is a small whole life policy built for older adults who want to cover funeral costs, medical bills, and small debts so their children won’t have to. Shoppers at this stage often worry about being turned down for health reasons. Final expense policies come in two kinds, and neither requires a medical exam:

How Affordably works

Getting Medicare supplement quotes through Affordably takes four steps.

1

Choose your plan letter

Pick the plan you want to price, such as Plan G or Plan N. Benefits are the same at every insurer, so you're comparing price, not coverage.

Plan G Plan N High-deductible G

2

Enter your details once

Add your ZIP code, date of birth, and tobacco use one time, instead of filling in the same form for each company.

ZIP code 32162 Date of birth 04/12/1960 Tobacco use No

3

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See quotes from every company that sells that plan where you live. We filter for availability, rate history, and discount terms first.

Same Plan G, side by side

4

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For medical underwriting, leaving Medicare Advantage, or different plan letters for you and your spouse, a licensed agent can work through it with you.

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Medicare quotes FAQs

These answers cover some of the most common questions people have when comparing Medicare supplement quotes.

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