Congratulations! The fact that you’re reading this means you’re interested in taking the first step towards getting life insurance, something that more and more people need every year. Perhaps you’ve done a little research into the available types of policies and the various providers available, and you’ve got your eye on a plan that you think is right for your needs. But how do you know it’s the best choice? How can you be sure you’re getting a great price on a policy that’s exactly right for your needs? This is where life insurance quotes are invaluable. Life insurance quotes are estimations of the premiums you’ll pay from various companies, based on your needs, medical history and current health. Here at, we’re proud to say we have the most powerful life insurance quote engine there is, ready to help you get the most out of your quote!

Knowing What You Need 

Before getting a quote, you’ll need to have an idea of how much coverage you need. Here, you’ll want to consider a few factors.

  • If you have dependents, you’ll want to provide a replacement income for them, allowing them to make adjustments for the loss of your regular income. Local Life Agents suggests you provide enough replacement income for about 20 years.
  • Next, you’ll want to consider student loans, mortgages, or any other debts you may have outstanding. If you die, your loved ones may end up having to pay those debts, along with any interest or fees that come with them. Your insurance policy should contain the funds needed to remove that burden from them.
  • If you have children, you’ll also need to account for the cost of raising them. This cost reaches almost $250,000 by the age of 18, which means if you pass away, your partner will be left handling that debt by themselves.
  • If your child is over or approaching 18, they may be college-minded. If you’re responsible for their student loans, you’ll need to provide funds that can help cover the expenses in the case of your death.
  • Lastly, if you’ve entered a business venture with partners, your death will remove a large portion of the funding you provided the venture. You’ll want an insurance policy that can give your partners money to cover your share of the expenses.

If you’d like help figuring out your needs, make sure to take a look at a life insurance needs calculator.

Checking Your History 

Once you have a good idea of your needs, you’ll be able to use our quote engine to find a policy you like. However, before you do, you’ll need to be aware of things that may make you risky to insure. If you’ve got a history of chronic illness, are or have been a smoker, or currently take any medications, you’ll most likely be placed in a different “rate class,” meaning your rates will be a bit higher.

Narrowing The Field 

Now that you have a good idea of the insurance you’ll need, it’s time to find out what’s available, and our quote engine is second to none for helping you do just that. After providing data on things like birthdate, tobacco usage and your desired coverage amount, our engine will search the best life insurance companies in the nation for policies tailored to your needs. This is a fantastic tool for a person looking for insurance of any kind, as it eliminates the need to visit multiple websites individually looking for quotes, saving you time and hassle. Any way you look at it, quote engines are faster, more efficient, and can even save you money by showing you rates from companies you may not have considered otherwise.

Why’s Quote Engine? 

Quite simply, our quote engine is the best there is. No other engine online offers the variety, price, or ease of use that ours does. You’ll get quotes from over 40 life insurance companies, including MetLife, Assurity, Nationwide, and many more–all at once. Our engine will show you the best rates on the internet from multiple companies, making it easier than ever to discover what’s right for you. You’ll be able to browse rates in every rate class, and when you find a quote that’s perfect for you, it’s easier than ever to request an application from the company of your choice.

Getting a quote will show you exactly what to expect from your insurance policy, letting you find one that gives you everything you need at a price that fits your budget, and our quote engine was built with that goal in mind. At, we’re here to help you find exactly the right policy for your situation, helping you find the best price possible on coverage that fits exactly what you need. If you’re ready to get fast, free life insurance quotes, take a look at our needs calculator or visit our peerless quote engine. And if you need to contact us, we’ll be there to help every step of the way.