Trusted by families nationwide • Licensed life insurance advisors

Get life insurance guidance that feels like having an expert in your corner.

We help you compare policies, understand real tradeoffs, and choose coverage confidently. No aggressive sales scripts, just clear recommendations built around your family.

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Fast eligibility guidance in minutes

No-pressure, licensed support by phone

Independent comparison across top carriers

50+

Licensed agents

5,000+

Families assisted

A+ care

Client-first support

Licensed advisor explaining life insurance options to a family.

Why people choose us first

You receive recommendations from licensed professionals, not an anonymous lead marketplace.

We explain costs, underwriting expectations, and timelines in plain English.

Your information stays protected and is only used to fulfill your request. Read our Privacy Policy.

Built for trust from first click to policy

We designed this experience to feel transparent, calm, and genuinely helpful—because life insurance decisions deserve confidence.

Independent recommendations

We represent your goals, not a single carrier. That means clear comparisons and guidance built around fit.

Licensed and accountable

Our advisors are licensed professionals who help you navigate eligibility, underwriting, and next steps.

Security-first experience

Your data is handled responsibly and used to support your request. No spammy marketplace handoffs.

Carrier network

We help you compare options across respected carriers, subject to state availability and underwriting.

How it works

A premium, advisor-led process designed to keep things simple while improving your decision quality.

1

Share your goals

Tell us your budget range, timeline, and who you want to protect. We keep this fast and straightforward.

2

Get tailored guidance

A licensed advisor explains policy options and common underwriting factors specific to your situation.

3

Compare carrier paths

We walk through realistic options, pricing ranges, and what application steps typically look like.

4

Choose with confidence

Move forward on your timeline. You can pause, ask questions, or request more comparisons at any step.

Compare policy types

Get a strategic overview before you shop, so you can focus on options that actually fit your goals.

Term Life

Best for: Most families seeking high coverage at an affordable monthly cost

What it is: Coverage for a fixed term (often 10–30 years) designed to protect income and major obligations.

Tradeoffs: Usually no cash value; renewing later can cost more depending on age and health.

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Whole Life

Best for: People prioritizing lifelong protection and level premiums

What it is: Permanent coverage with a cash value component that typically grows over time.

Tradeoffs: Higher monthly premiums than term life for the same face amount.

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Universal Life

Best for: Households needing flexibility in premium structure or long-term planning

What it is: Permanent coverage that can offer adjustable premium and benefit structures by product.

Tradeoffs: More complex design that benefits from advisor guidance before selection.

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Want a recommendation based on age, budget, and goals?

Get personalized guidance

Resources

Clear guides and tools that help you make confident decisions—without the jargon.

Guides

Plain-English explanations of coverage types, riders, and common decisions.

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Coverage calculator

A simple way to estimate a coverage range based on common inputs.

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Term vs. whole life

Understand key tradeoffs and when each approach might make sense.

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FAQ

Straight answers to common questions—so you can move forward confidently.

No. LifePolicies Help is not an insurance carrier. Insurance products are issued by insurance companies (carriers) and are subject to underwriting and approval.

Note: Coverage availability, rates, and eligibility vary by state and underwriting.

Speak with a real licensed professional

Ready to find the right life insurance policy?

Submit your information and we'll help you compare options that make sense for your goals and budget.

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No obligation to buy anything

Understand realistic coverage and budget fit

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(833) 736-7715

Mon–Fri • 8:00am–8:00pm ET

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Takes about 2 minutes. Your details are handled securely.