Licensed guidance • Phone-first support

Life insurance guidance that puts you in control.

Compare coverage options with licensed help. Get straight answers, help with next steps, and a clear path forward—without pressure.

Compare options Call a licensed agent

Licensed agents • No-pressure guidance • Phone-first support

50+

Licensed agents

Phone-first support

5,000+

Customers helped

Coverage guidance

$50/mo

Avg. savings

Similar coverage

A licensed agent helping a customer understand life insurance options.

Talk to a licensed agent—on your terms

We’ll help you understand coverage types, compare options, and choose a plan you feel confident about.

Privacy note: We use your information to respond to your request and support your experience. See our Privacy Policy.

Why trust LifePolicies Help

Clear, phone-first guidance designed to help you make a confident decision—without pressure.

Independent & unbiased

We’re an independent brokerage—not a captive call center—so our job is to explain options clearly and help you choose what fits.

Licensed support

Talk to licensed insurance professionals for guidance and next steps. Availability varies by state and underwriting.

Privacy-first approach

We use your information to respond to your request and support your quote search—no “blast your info everywhere” experience.

Carrier partners

Availability varies by state and underwriting.

Logos are shown for illustrative purposes only. Coverage availability, rates, and eligibility vary by state and underwriting guidelines.

How it works

A straightforward process designed for clarity and control.

1

Share what you’re looking for

Tell us your goals (coverage, budget, timeline). We keep it simple.

2

Get clear guidance

We explain term vs permanent options and common tradeoffs in plain English.

3

Compare paths to quotes

When available, we can connect you with licensed agents or carriers to explore pricing.

4

Choose what fits

Pick a plan you understand—then move forward at your pace.

Compare policies

A quick, plain-English overview. Availability and pricing depend on state and underwriting.

Term Life

Best for: Most families who want affordable coverage for a set period

What it is: Coverage for a defined term (often 10–30 years). Pays a benefit if you pass away during the term.

Tradeoffs: No cash value. Coverage typically ends when the term ends unless renewed or converted (policy-specific).

See what fits

Whole Life

Best for: People who want lifelong coverage and predictability

What it is: Permanent coverage (as long as premiums are paid) and a cash value component that grows over time.

Tradeoffs: Higher premiums the older you are. Not always the best fit if affordability is the main priority.

See what fits

Universal Life

Best for: People who want flexibility in premiums/benefits (policy-dependent)

What it is: Permanent coverage with adjustable premiums and/or death benefit, depending on the product design.

Tradeoffs: More complexity. Costs and performance can vary by policy structure and carrier rules.

See what fits

Not sure which fits? Get guidance from a licensed agent.

Talk to an agent

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.

Explore

Coverage calculator

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

Explore

Term vs. whole life

Understand key tradeoffs and when each approach might make sense.

Explore

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.