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BEHIND EVERY POLICY, THERE’S A PERSON.


LIFE INSURANCE QUOTES

Protecting your family with life insurance is easy with eFinancial. We’ll help
you shop, compare, and find the plan that’s just right for you.

Get My Quote


“The whole process was simple and easy. Found the insurance I needed in no time
at all and am very satisfied.” -Alan


WHAT TYPE OF LIFE INSURANCE POLICY IS RIGHT FOR ME?

eFinancial offers a variety of plans from top-rated providers in one place, so
you can find the right coverage for your needs and budget.


 * TERM LIFE INSURANCE
   
   Flexible and affordable, term life insurance covers you during the years you
   need it most.
   
   Show More about Term life insurance
   
   
   TERM LIFE INSURANCE
   
   Flexible and affordable, term life insurance covers you during the years you
   need it most.
   
   Show More about Term life insurance


 * PERMANENT LIFE INSURANCE
   
   Permanent life insurance offers peace of mind for your entire life and also
   builds cash value over time.
   
   Show More about Permanent life insurance
   
   
   PERMANENT LIFE INSURANCE
   
   Permanent life insurance offers peace of mind for your entire life and also
   builds cash value over time.
   
   Show More about Permanent life insurance


 * FINAL EXPENSE INSURANCE
   
   For people between 50 and 85, final expense insurance provides a guaranteed
   payout for funeral expenses and related needs.
   
   Show More about Final expense insurance
   
   
   FINAL EXPENSE INSURANCE
   
   For people between 50 and 85, final expense insurance provides a guaranteed
   payout for funeral expenses and related needs.
   
   Show More about Final expense insurance

EXPLORE OUR PLANS


COMPARE LIFE INSURANCE POLICY OPTIONS

Term LifePermanent LifeFinal Expense LENGTH OF COVERAGEChoose the term that
works for you (10, 15, 20, or 30 years)Lasts your entire life as long as you
continue your paymentsLasts your entire life as long as you continue your
payments PREMIUMTypically the most affordable life insuranceMore expensive than
term life for the same coverage amountMore expensive than term life, but lower
coverage amounts keep it affordableMEDICAL EXAMOptions to waive examTypically
requiredNot typically requiredCASH VALUENonePolicy may build cash value on a
tax-deferred basisPolicy may build cash value on a tax-deferred basis


LENGTH OF COVERAGE

   


 * TERM LIFE
   
   Choose the term that works for you (10, 15, 20, or 30 years)


 * PERMANENT LIFE
   
   Lasts your entire life as long as you continue your payments


 * FINAL EXPENSE
   
   Lasts your entire life as long as you continue your payments


PREMIUM

   


 * TERM LIFE
   
   Typically the most affordable life insurance


 * PERMANENT LIFE
   
   More expensive than term life for the same coverage amount


 * FINAL EXPENSE
   
   More expensive than term life, but lower coverage amounts keep it affordable


MEDICAL EXAM

   


 * TERM LIFE
   
   Options to waive exam


 * PERMANENT LIFE
   
   Typically required


 * FINAL EXPENSE
   
   Not typically required


CASH VALUE

   


 * TERM LIFE
   
   None


 * PERMANENT LIFE
   
   Policy may build cash value on a tax-deferred basis


 * FINAL EXPENSE
   
   Policy may build cash value on a tax-deferred basis


HOW MUCH LIFE INSURANCE DO I NEED?

The right amount of coverage is different for every person. Keep these
considerations in mind when deciding how much you need:

 * How much will your immediate obligations – like medical bills, debts, and
   funeral expenses – cost?
 * How much future income will your family need to pay the mortgage, pay for
   college, or simply enjoy their current quality of life?

While no online life insurance quote can take every one of these factors into
account, a quick calculation of your needs is a great place to begin. Try our
10-question term life insurance calculator for a personalized recommendation
based on your debt, savings, expenses, and more. 

Calculate Coverage


HOW TO GET A FREE LIFE INSURANCE QUOTE WITH EFINANCIAL

Just provide your name, gender, date of birth, email, and how you’d rate your
overall health, and eFinancial will give you free online life insurance quotes
in under a minute. Does that sound easy? Well, it is. 

If you’d rather talk to a live person, our agents are here and ready to help you
compare life insurance quotes.

GET YOUR FREE QUOTE


ADVANTAGES OF LIFE INSURANCE QUOTES FROM EFINANCIAL


 * COMPARE TOP-RATED PLANS.
   
   eFinancial offers competitive quotes from a variety of highly rated
   companies, so you don’t have to shop around to get the best deal.
   
   Show More about Compare top-rated plans.
   
   
   COMPARE TOP-RATED PLANS.
   
   eFinancial offers competitive quotes from a variety of highly rated
   companies, so you don’t have to shop around to get the best deal.
   
   Show More about Compare top-rated plans.


 * FIND YOUR POLICY FAST.
   
   Get quotes quickly online or by phone, and buy directly from one of our
   dedicated agents. Coverage often starts the same day.
   
   Show More about Find your policy fast.
   
   
   FIND YOUR POLICY FAST.
   
   Get quotes quickly online or by phone, and buy directly from one of our
   dedicated agents. Coverage often starts the same day.
   
   Show More about Find your policy fast.


 * GET HELP WHEN YOU NEED IT.
   
   Our team is here to help you understand life insurance, compare life
   insurance quotes, and make the right decision for your family.  
   
   Show More about Get help when you need it.
   
   
   GET HELP WHEN YOU NEED IT.
   
   Our team is here to help you understand life insurance, compare life
   insurance quotes, and make the right decision for your family.  
   
   Show More about Get help when you need it.


WHAT COMPANIES PROVIDE LIFE INSURANCE QUOTES FOR EFINANCIAL?

We’re proud to work with top-rated providers like Fidelity Life, Protective,
Mutual of Omaha, AIG, Prudential, and Transamerica. Each of these companies
meets our high standards for financial strength, quality, and exceptional
customer support. Click a logo below for more information.


PARTNERS CAROUSEL

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WHY CHOOSE EFINANCIAL FOR LIFE INSURANCE QUOTES?

At eFinancial, we strive to be your one-stop resource for everything related to
your life insurance needs. That means we’ll:

 * Help you compare policies and get a free quote on a single call or online. 
 * Assign a dedicated agent to work with you every step of the way.
 * Offer life insurance from top companies, so you can find the right fit based
   on your needs and budget.
 * Work with you one-on-one to meet your needs at every stage of life.

GET A FREE QUOTE


KIND WORDS FROM SATISFIED CUSTOMERS:

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Slide 1 of 3

We wanted a reputable company ready to meet our needs, but we didn’t want to
spend a fortune or jump through hoops. With eFinancial, we also got great
coverage, affordable rates, and a very easy process to get approved. Everyone
was extremely helpful along the way. I’d recommend eFinancial to anyone
considering purchasing life insurance.

Elizabeth Florse

Slide 2 of 3

I wanted a company that does business with integrity and honesty. I wanted a
policy to protect my son, and a company to guide him when it’s time to use the
benefits. If you have a family or someone in your life that you love, it’s
important to take care of business. eFinancial helps you leave a legacy.

Chris Patterson-Simmons

Slide 3 of 3

A very helpful representative found me higher coverage for less money than I
expected. They followed through, and I was always able to get in touch. I would
recommend them to anyone!

Ellis Trollinger

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LIFE INSURANCE FAQS


 * WHAT IS LIFE INSURANCE?
   
   Life insurance is a type of insurance policy that protects your loved ones
   financially if something happens to you. If you pass away while your life
   insurance policy is in effect, your beneficiary will get a cash payment
   that’s typically tax-free and comes with no strings attached. They can use
   those funds to pay for day-to-day living expenses, a mortgage, college loans,
   your final expenses, or any other financial needs.
   
   You can choose from either term life insurance, an affordable type of life
   insurance that you can buy for a set period of time, or permanent life
   insurance, which provides lifelong coverage as long as you pay your premiums.
   Consider comparing life insurance quotes online to better understand what
   fits your budget and needs.
   
   


 * WHO NEEDS LIFE INSURANCE?
   
   Ask yourself: Does anyone depend on you for their financial well-being? If
   so, you likely need the peace of mind that life insurance provides. It’s
   smart to get covered if:
   
    * Someone depends on your income
    * You have young kids (even if you’re a stay-at-home parent)
    * You have outstanding debt, like a mortgage payment, car lien, student
      loans, or medical bills that health insurance or Medicare supplemental
      plans don’t cover
    * You want a way to leave a lasting legacy for your family
    * You want to get a head start on your estate planning
   
   Buying life insurance can help you meet these needs and stay prepared for
   what the future brings. eFinancial is here to help you get started.
   
   


 * HOW MUCH DOES LIFE INSURANCE COST?
   
   Wondering if you can afford life insurance coverage? The peace of mind that
   life insurance provides is priceless, and it often costs less than you think.
   In fact, a recent study found that most people think the cost of life
   insurance is three times higher than it actually is. A $250,000 term life
   policy for a healthy 30-year-old woman can start as low as $15 a month with
   eFinancial.
   
   Some factors that affect the cost of life insurance include:
   
    * The type of policy you choose, along with the coverage length and amount.
      Typically, term insurance is the most affordable type of coverage, with
      flexible premiums based on your coverage length and amount.
    * Your age. Life insurance rates go up as you get older, so think about
      locking in lower rates now.
    * Your overall health. Life insurance companies look at your family and
      health history to determine policy cost.
    * Smoker status. If you smoke cigarettes or cigars, chew tobacco, or vape,
      now is a great time to quit. Nicotine use can directly affect your premium
      rates.
    * Your gender. Typically, men tend to pay more than women.
    * Your hobbies. Life insurance companies evaluate the types of hobbies and
      activities you do that could affect your rate, like skydiving, scuba
      diving, or flying a private plane.
   
   


 * HOW DOES THE LIFE INSURANCE BUYING PROCESS WORK?
   
    * Shop and research plans by comparing quotes online or with one of our
      dedicated insurance agents. We can help you navigate the differences
      between options like term and whole life insurance, and answer any other
      questions you may have. 
    * Select and apply for a policy that fits your and your family’s needs. You
      can get same-day coverage through eFinancial, in many cases.
    * Buy and pay for your policy either in monthly or annual installments.
      Review your policy regularly to make sure it still fits your needs.
    * Claim peace of mind and financial security for your loved ones. If you die
      while your policy is active, your loved ones can get a tax-free cash
      payout.
   
   Learn more about the life insurance buying process here.
   
   


 * ARE EFINANCIAL'S ONLINE LIFE INSURANCE QUOTES ACCURATE?
   
   At eFinancial, we work hard to make sure you get an accurate online life
   insurance quote.
   
   We believe in personalizing your entire life insurance experience, which
   means we’ll go beyond the basics. Of course, keep in mind that an online
   quote is only a starting point. Our online guide can estimate your life
   insurance rates, but our licensed agents will work closely with you by phone
   to further customize your quote around your exact needs.
   
   


 * SHOULDN'T I BUY DIRECTLY FROM A LIFE INSURANCE COMPANY?
   
   Not necessarily. The law states that the price of any insurance policy is the
   same whether you buy from the life insurance company itself, an agent, or a
   broker. That means you’ll find the same rates shopping directly with a life
   insurance company or shopping with eFinancial, while also enjoying the
   convenience and guidance our agents can provide. At eFinancial, our team can
   help you compare and purchase term life insurance, permanent life insurance,
   and final expense insurance from top-rated companies. Our goal is to make
   buying life insurance easier, faster, and more affordable, so you can protect
   your family with confidence.
   
   


 * HOW CAN I FIND THE BEST LIFE INSURANCE RATES ON EFINANCIAL?
   
   eFinancial works with trusted insurance companies to help you find the best
   fit for your needs and budget. Different companies may offer better rates and
   plans for you based on your situation. At eFinancial, you can start by
   comparing personalized life insurance quotes online in just one minute. Then,
   give one of our agents a call to discuss your options. We’ll help you get the
   best value for you and your family.
   
   


GET TO KNOW EFINANCIAL.

At eFinancial, we’re proud to help customers like you find the right life
insurance policy. Our knowledgeable agents are ready to learn about your needs
and work with you every step of the way. Working with eFinancial means you’ll
benefit from our inclusive culture, commitment to customer service, and
collective desire to make lives better.

Explore Careers



RECENT BLOG POSTS

 1. BLOG • Published on 7/26/23
    
    
    BLOG TITLE: HOW TO FIND THE BEST GUARANTEED LIFE INSURANCE COMPANIES

 2. BLOG • Published on 7/6/23
    
    
    BLOG TITLE: IS LIFE INSURANCE AN INVESTMENT?

 3. BLOG • Published on 6/27/23
    
    
    BLOG TITLE: LIFE INSURANCE FOR KIDS

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