Life insurance quotes by phone
Talk to a licensed agent about life insurance today
One free call connects you with a licensed insurance agent who can explain your options and give you a quote.
- Speak with a licensed insurance agent
- Term, whole life and final expense options
- No-exam plans available for many applicants
- Free call. No obligation to buy.
Get Life Quotes Today is a marketing service, not an insurance company, agent or broker. Calls and requests are connected to third-party licensed agents. Disclosures
Request free quotes
Prefer to talk now? Call (800) 555-0100
- Free to callYou never pay us anything
- Licensed agentsQuotes come from licensed professionals
- No obligationHang up whenever you like
- Plain answersGuides written without the jargon
Three simple steps
How it works
Call or send the form
Tell us your state and age range. It takes about a minute.
Talk with a licensed agent
We connect you with a third-party licensed agent who can quote the plans they offer.
Decide in your own time
Review the quote. Apply only if the coverage and price work for you.
Know your options
Types of life insurance
Learn how each type works before you call, so you know what to ask.
- Term Life InsuranceHow term life insurance works, who it fits, what affects the price, and how to speak with a licensed agent about term coverage.
- Whole Life InsuranceWhole life insurance explained: lifetime coverage, fixed premiums and cash value, with the trade-offs to weigh before you speak with an agent.
- Universal Life InsuranceUniversal life insurance offers permanent coverage with flexible premiums. Learn how it works and the risks to understand before you buy.
- Final Expense InsuranceFinal expense insurance is a small whole life policy meant for funeral and end-of-life costs. See how it works and what to ask before applying.
- Guaranteed Issue Life InsuranceGuaranteed issue life insurance has no health questions and no exam. Understand the waiting period, cost and age limits before you apply.
- No-Exam Life InsuranceNo-exam life insurance skips the medical exam. Compare simplified issue, guaranteed issue and accelerated underwriting, and learn the trade-offs.
Why people buy it
What life insurance can pay for
The death benefit is paid to the beneficiary you choose, who decides how to use it.
- Funeral and burial costs. So end-of-life expenses do not fall on family.
- Medical bills and debts. Balances that remain after a death.
- Mortgage or rent. Keeping a spouse or children in their home.
- Lost income. Replacing a paycheck your household depends on.
Made for your situation
Who we help
Your age, health and family situation shape which policies make sense.
No office visit
Sort it out from your kitchen table
No office visit and no paperwork to start. Have your questions ready, call when it suits you, and take as long as you need to decide.
- Have a list of your medications handy
- Know roughly how much coverage you want
- Ask the agent for their name and license number
Guides
View all guides- How Much Life Insurance Do I Need?A plain method for estimating how much life insurance you need, based on debts, income, final expenses and what you already have.
- Term vs. Whole Life InsuranceTerm or whole life? Compare cost, length of coverage and cash value so you know what to ask a licensed agent.
- What Affects Life Insurance Rates?The factors insurers use to price life insurance, which ones you can change, and why quotes differ from one company to the next.
- Graded Death Benefits and Waiting Periods, ExplainedWhat a graded death benefit is, which policies have one, and what your beneficiary would receive during the waiting period.
- Getting Life Insurance With a Health ConditionDiabetes, heart disease, COPD or a cancer history do not automatically rule out life insurance. Learn the options and what agents will ask.
- How to Choose a Life Insurance BeneficiaryWho can be a beneficiary, the difference between primary and contingent, and the mistakes that delay a life insurance payout.
Homeowners 62 and older
Curious about a reverse mortgage?
See how they work, what they cost and the risks, then request information if it looks right for you.
Your questions, answered
From the blog
- October 9, 2026How to File a Life Insurance Death ClaimStep-by-step: how to find a loved one's life insurance policy, file the death claim with the insurer, and what to do if you cannot find the policy or the claim is delayed.
- October 6, 2026Can I Get Life Insurance for My Parents?Adult children can buy life insurance on a parent with the parent's consent. Learn the rules, the policy types that fit, and who pays.
- August 11, 2026How Long Does Life Insurance Take to Pay Out?Most life insurance claims are paid within weeks. See the steps to file, what causes delays, and how beneficiaries can speed things up.
Life insurance in your state
Products and rules vary by state. Choose yours for local information.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Good to know
Frequently asked questions
Is Get Life Quotes Today an insurance company?
No. Get Life Quotes Today LLC is a marketing service. We are not an insurer, agent or broker, and we do not sell insurance or provide quotes ourselves. We connect you with third-party licensed insurance agents who do.
Who will I speak with when I call?
A licensed insurance agent at one of our partner agencies. They can explain and quote the plans offered by the insurance company or companies they represent.
Does it cost anything?
No. The call and the form are free to you. We are paid by the partners we connect consumers with.
Can I get coverage without a medical exam?
Many insurers offer policies that use health questions instead of an exam, and some offer guaranteed issue policies with no health questions. Availability, age limits, waiting periods and pricing depend on the insurer and your state.
Am I obligated to buy?
No. You can end the call at any time, and you are never required to apply for or buy a policy.
Get your questions answered by a licensed agent
Call now to be connected with a licensed insurance agent. The call is free and there is no obligation to buy.
Call (800) 555-0100Calls are answered by third-party licensed agents, not by Get Life Quotes Today. See disclosures.