Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Many consumers are on the lookout for cheap life insurance. Depending on your age, health and other factors, it may be hard or easy to find. The keys to finding the best life insurance at the best price include shopping around and comparing the different life insurance options available to you. Get started now looking for the best cheap life insurance quotes to meet your needs.

Why Cheap Life Insurance is Better Than No Life Insurance

Cheap life insurance is not something that is easy to find. However, by making compromises on the level of your coverage or the duration of your coverage, you may be able to get the price down to where you want it.

In reality cheap life insurance is better than no life insurance, as it will at least provide for a portion of what you want to provide for in the case of your death. Cheap life insurance will also mean that you have the peace of mind that you are doing what you can to help if you are not around to help in the future.

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Cheap Life Insurance Tips

Finding cheap life insurance is all about making choices. By choosing certain options over others, you will be able to save on your life insurance costs. Here are some insider tips on finding cheap life insurance.

  • First shop around extensively. Insurance companies all operate using a different set of guidelines, therefore premiums can vary greatly. By shopping around you will have the best opportunity to discover the best price.
  • By opting for term life insurance that is relatively short like a five-year term, you will get a better rate than if you take out longer term insurance or whole life insurance. In fact, any type of term insurance will be less expensive than whole life insurance.
  • Compromise by getting lower levels of life insurance coverage to save money on premiums. You can always buy more later.

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Shopping Around For Cheap Life Insurance

As with shopping for any type of insurance, the key to getting a break on the cost of life insurance is to shop around and compare a variety of quotes from different insurance companies. Every insurer has its own guidelines and while most of the factors an insurer takes into consideration are the same from company to company, each insurer assigns its own weight to these factors. This explains the differences you will find in cost when shopping around.

Shopping for cheap life insurance used to involve time-consuming meetings with agents or at least multiple telephone calls to different companies repeating the same information over and over. However, the advent of the internet has made shopping for life insurance quotes quick and easy thanks to free online quote tools. You answer questions relevant to life insurance just once and your information is submitted to a variety of life insurance companies serving your area. In no time you will receive the quotes you need.

As you start to examine the life insurance quotes, you will be tempted to go with the cheapest one. However, you need to be sure that you are actually getting good coverage. First make sure that the quote is based on the same information as the others and does not have exclusions or limitations that the others do not.

Then you will need to check out the life insurance companies themselves. Narrow down your choice by price and then look at the companies more closely. Do an online search for reviews given by actual customers. How a life insurance company treats those who are grieving speaks volumes about the company. It is easy to give good customer service when you are collecting premiums, but harder when you have to pay out benefits.

Also, be sure to check with your state department of insurance to find out what type of complaints has been lodged against the insurer. The frequency and the types of complaints will reflect how well they treat customers.

Finally, take the time to check the company’s financial status. Even if you are looking for cheap life insurance, you will want to get coverage through a company that is financially stable and one that will be around for a long time. After all, life insurance is typically a long term deal. Get the insurer’s independent insurance rating from one of the companies that assign such grades. Some of the more well-known ones include Moody’s, Standard & Poor’s and A.M. Best.

Get started today on your quest for cheap life insurance by entering your zip code now for the life insurance quotes you need.