Our process is all about you.

Life insurance isn’t a one plan fits all. At SelectQuote, we simplify the process, allowing you to compare 10+ of trusted life insurance carriers in just minutes.

Our process is all about you.

Life insurance isn’t a one plan fits all. At SelectQuote, we simplify the process, allowing you to compare 10+ of trusted life insurance carriers in just minutes.

How to Buy Life Insurance

To receive the most accurate quote, it’s crucial to provide as much accurate information as possible. We’ll help you understand the differences and the advantages of Term Life Insurance vs. Permanent (Whole) Life Insurance and we’ll take the time to find coverage that best fits your needs and budget. Our advice is unbiased and unmatched. After all, we’ve been doing this for 35 years.

3 Steps to Buying Life Insurance

1. Get a Quote

Before you get started, consider how much life insurance you will need to replace your income now and in the future, such as education, family events, retirement savings, etc. Additionally, think about who depends on your income today—from spouses to children, business partners to loan co-signers, it’s important to consider everyone who can benefit from your smart decision to buy life insurance.

Getting the most accurate quote is all about providing the most up-to-date information. Individual and household incomes and debts, as well as your basic health history, will get the application started and the process often takes 15 minutes or less.

With SelectQuote, you’ll receive a side-by-side comparison of the best prices and carriers based on your age, health, family health history and lifestyle. Our coverage calculator can help you get started, or you can discuss in more detail with your SelectQuote licensed sales agent.

2. Choose Your Coverage

After you complete a short questionnaire, we can compare and review prices from the trusted carriers we represent. If you are purchasing term life insurance, it’s important to carefully consider the timeframe needed for coverage. Remember: life insurance is most affordable the younger and healthier you are. It’s a wise decision to lock in what you think you’ll need to cover not only current, but future expenses.

After you see the rates from the carriers we represent, select the best one for you and complete the initial application. Depending on the policy and carrier you choose, you may be asked to pay the first premium at this time.

3. Get Your Policy

After your policy is submitted to the carrier, you likely will be required to complete a brief medical exam. This appointment allows the underwriter to confirm the details on your health questionnaire and confirm your final price for the selected coverage. The more accurate your information is up front, the higher the likelihood of no changes.

The medical exam, though, is surprisingly easy. We’ll send a licensed medical professional right to your home to conduct a simple checkup comparable to what you’d receive in a doctor’s office (weight, height, blood draw, heart monitoring, etc.). You’ll receive a free copy of your lab results following your exam, which are completely confidential.

While each life insurance policy looks a little different, typically your coverage goes into effect at the time your application is received and/or after your first premium payment is made. Depending on what state you live in, you can have up to 30 days to return your policy and be fully reimbursed for any premiums paid.

Ready to get covered?

We make buying life insurance from some of the most trusted companies quick, easy and at your convenience. You can receive a free quote today and there is no obligation to enroll.