Free Life Insurance Quotes: Compare Policies Online
Author: Ian C. Langtree - Writer/Editor for Disabled World (DW)
Published: 2011/06/03 - Updated: 2026/01/29
Publication Type: Informative
Category Topic: Life Insurance - Related Publications
Page Content: Synopsis - Introduction - Main - Insights, Updates
Synopsis: This information provides practical guidance for consumers seeking life insurance coverage through online comparison tools and brokerages. The content delivers authoritative advice on navigating the underwriting process, which involves approximately 80 different rating factors, making it particularly valuable for people with pre-existing conditions such as heart disease, diabetes, or cancer who may face challenges securing affordable coverage. By curating reputable online insurance brokerages and explaining how premium rates work across different platforms, this resource helps individuals - including seniors and those with disabilities - avoid overpaying for policies or selecting inadequate coverage that doesn't match their actual needs and financial circumstances - Disabled World (DW).
Introduction
Choosing a Life Insurance Company
Individuals who don't know the ins and outs of shopping for insurance run the risk of either settling for a policy that's needlessly expensive or that does not really suit their needs.
The art of life insurance underwriting is based upon some 80 different rating factors, each of which has to be looked at before an offer is made. So if the website you are visiting only asks a few questions about your health and reveals only "lowball quotes," beware because many more questions will be asked at a later time and, yes, the price will change. A good agent will tell you this upfront and not sugarcoat the truth.
Always use a reputable online life insurance brokerage to comparison shop. Find one you like and check rates from all the different insurance companies they offer. Don't bother comparing one online broker to another for the same life insurance company. The life insurance company sets the premium rates; therefore, you will pay the same for Company ABC regardless of which online broker you choose.
Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount (at regular intervals or in lump sums).
Life insurance shoppers with heart disease, cancer, diabetes and other common ailments, take heart. There are strategies that you can employ to obtain life insurance coverage, often at a great price, but a good outcome requires that you properly shop the market or have a good agent do so for you.
Main Content
List of Websites That Offer Free Online Life Insurance Quotes
Life Insurance Quotes Wiz
A free service dedicated to helping you with all of your needs for life insurance quotes. They offer access to a Nationwide network of life insurance, term life insurance, whole life insurance, and universal life insurance.
AccuQuote
Makes it possible for you to find the best values in term life insurance by combining instant term life insurance quotes with the personal service of unbiased life insurance professionals that can answer your questions, identify important issues and make meaningful recommendations. AccuQuote monitors the rates, features and financial strength of hundreds of term life insurance products to suit your needs.
QuickQuote
Their industry leading quoting system will generate term life insurance quotes specific to your age, gender, health and other factors for free. There is no personal contact information required to view your quotes.
CompuQuotes
Easily Compare Insurance Quotes from multiple insurance providers. Compare Rates on Life Insurance, Health Insurance, Auto Insurance, Homeowners Insurance, & more. Complete an insurance quote request in minutes.
iQuote
Service for Free Term Life Insurance Quotes helps you protect those you love with term life insurance. You instantly receive up to 20 low-cost term life insurance quotes from top-rated carriers. You can easily change your quote online, apply for a policy and consult with an experienced professional by telephone with absolutely no cost or obligation. Just complete the short request form to instantly receive your personalized free term life insurance quotes.
ReliaQuote
Life insurance shoppers can obtain free quotes on term life insurance instantly from leading life insurance companies. ReliaQuote was founded in 1998 to help consumers purchase term life insurance online by providing them with a choice of the lowest cost policies combined with a convenient, hassle-free experience.
InsureMe
A free referral service that helps people find the most competitive insurance rates in the business. Since 1993, they have helped millions of consumers compare coverage, while saving them time and money on insurance premiums. Get free rate life insurance quotes in minutes from the nation's top carriers and local agents. By keeping the process simple and providing competitive insurance quotes through local agents, they pass the savings along to you.
Matrix Direct
With over 5 million clients and having placed over $120 billion in Term Life Insurance and other life insurance product coverage, Matrix Direct are one of the most trusted names in the term life insurance business. Their content and interactive life insurance tools will help you determine which life insurance coverage works best for you and how much term life coverage is appropriate.
Before you start shopping for life insurance coverage you may want to check out our Life Insurance Calculator which instantly calculates the amount you should be insured for.
Insights, Analysis, and Developments
Editorial Note: Shopping for life insurance remains one of those financial decisions where knowledge truly translates into savings, yet many people approach it with outdated assumptions or unrealistic expectations about pricing transparency. The reality is that underwriting has become more sophisticated, not simpler, and what appears as a quick online quote often represents just the opening bid in a longer conversation about your health history and risk profile. For individuals managing chronic conditions or disabilities, this isn't necessarily bad news - it just means that working with experienced brokers who understand how different carriers evaluate specific health issues can make the difference between being declined and securing coverage at competitive rates. The key takeaway isn't to avoid online comparison tools but to use them strategically, recognizing that the lowest initial quote may not remain the lowest after full underwriting, and that patience in the shopping process typically pays dividends in both coverage quality and long-term affordability - Disabled World (DW).
Author Credentials: Ian is the founder and Editor-in-Chief of Disabled World, a leading resource for news and information on disability issues. With a global perspective shaped by years of travel and lived experience, Ian is a committed proponent of the Social Model of Disability-a transformative framework developed by disabled activists in the 1970s that emphasizes dismantling societal barriers rather than focusing solely on individual impairments. His work reflects a deep commitment to disability rights, accessibility, and social inclusion. To learn more about Ian's background, expertise, and accomplishments, visit his full biography.