How to Get a Cheap Life Insurance Quote

Cheap life insurance quotes are easy to find on the Internet. All you need to do is visit an insurance comparison website.

Getting started

Before you get started looking for a cheap life insurance quote, you need to make some decisions:

1. Do you want term life insurance or whole life insurance? Term life insurance is cheaper because all you are buying is insurance. Whole life insurance costs more because it includes an investment feature: part of your premium each month is invested.

2. How much insurance do you want? Depending on how many children and how much debt you have, you may need anywhere from two to ten times your annual salary in life insurance. Even parents who donít have paying jobs need life insurance: If your primary job is to take care of your children, your spouse will likely have to pay someone else to take care of them if you die.

Get Quotes to Compare

Once you've answered these questions for yourself, you're ready to start gathering life insurance quotes. The best and fastest way to get life insurance quotes is to visit an insurance comparison website. On these sites you fill out a form with information about your health, job, hobbies, and the coverage you want. You'll then get fast quotes from multiple A+ rated life insurance companies.

On the best comparison websites, you can even get quick answers to your life insurance questions from insurance professionals through an online chat service or a toll-free-telephone service (See link below.)

Investigate Insurance Companies

Once you have your life insurance quotes, you'll want to check the ratings of each insurance company before you purchase your policy. After all, while you want a cheap quote, you also want a life insurance company that's stable and will be able to pay your claim. To check the ratings of a life insurance company, your best source is a credit agency like Standard & Poorís (, or a consumer rating service like J.D. Power and Associates (

Visit or click on the following link to get cheap life insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on how to get a cheap life insurance quote.