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A baby sits on her mom while she is shopping for life insurance to protect her family

Shopping for Life Insurance

You’ve decided to explore life insurance—smart move. It’s a great way to make sure your loved ones are financially secure should something happen to you. Sifting through all the options, prices and fine print can be overwhelming, though, so consider letting SelectQuote do the legwork for you.

We will shop some of the top life insurance companies on your behalf, compare prices and coverage for you and provide you with your best options. We can also answer any questions you have, match you with the best carrier for your lifestyle or health condition and find opportunities to save money and more.

A man smiles while talking on the phone with a SelectQuote agent because of how much money he saved on a policy

Simple as ABC

Easy process – saved me a ton of money. More choices than my regular insurance agent offered me. First class service and prompt responses to my questions.

– John S.

3 Steps to Buying Life Insurance

1. Get a Life Insurance 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 life insurance 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 life insurance coverage calculator can help you get started, or you can discuss in more detail with your SelectQuote licensed sales agent.

2. Choose Your Life Insurance 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 life insurance 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 Life Insurance Policy

After your life insurance 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.

A couple looking at a tablet together still have questions about life insurance that SelectQuote can help them answer

Ready to get covered?

We make buying life insurance from some of the most trusted companies quick, easy and at your convenience. Let SelectQuote help you find the right coverage with the right carrier at the right price for you.