Shopping for life insurance can feel overwhelming — every site shows different numbers, and every agent claims their plan is the best.
Here’s how to cut through the noise and compare quotes the smart way.
🤖 What to Look for in Every Quote:
- Coverage amount (is it really enough?)
- Term length (does it last long enough?)
- Monthly premium (can you afford it long-term?)
- Conversion option (can you turn it into permanent coverage?)
- Riders included (like living benefits or return-of-premium)
📅 Best Places to Compare Online in 2025:
- Policygenius
- Quotacy
- Sproutt
- Ladder
- Ethos
Always check at least 3 so you can see pricing trends.
🚀 Pro Tips:
- Don’t just go with the lowest number — compare the features.
- Ask about discounts (nonsmoker, annual pay, bundled policies)
- Be honest on health questions or you could get denied later
🌊 Final Thought:
The difference between a $22/month policy and a $40/month one could be tens of thousands in coverage or benefits. Don’t rush — compare like a pro.