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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Buying a life insurance policy online is a great way to get detailed information on pricing and provisions, as long as you have the time.

If you plan to purchase the first policy that you come across, it may be a better idea to bundle insurance products with your current insurance provider.

Type in your zip code to get instant access to online insurance quotes!

While you will not have to dedicate weeks of your life towards comparing policies, but be prepared to spend two to three hours in order to find the perfect life insurance product.

How to Shop for Online Life Insurance Quotes

Life insurance,  no matter how large the payout, does not need to cost consumers a lot of money. Before doing any research, you should first determine what you need in a life insurance policy. While you may think that the amount of money your family will receive is the most important factor, you should be careful when you choose between term life insurance and whole life insurance.

At first glance, many of the online life insurance policies that you exam may appear to be identical. There will be strong similarities between one insurance provider and another, but upon closer inspection, you will see the differences in coverage, policies and payout amounts.

Essentially, you will want to find a life insurance provider that will not easily drop your coverage, at least without allowing you to recoup most of the premiums that you have paid. If you see too many clauses or exceptions, you should probably walk away, even if they promise low payments.

When you ready, look up online life insurance and find reputable websites that will give you free online quotes. Note that in order to get a policy many insurers require a medical exam prior to extending coverage. There are some that do not require a medical exam, and while they may be affordable the payout amounts tend to be very low. If you do not have any serious medical illnesses, consenting to a medical exam will probably not do any harm.

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Comparing Whole and Term Online Life Insurance Policies

The most important decision you can make in terms of life insurance policies is when you decide between term and whole life insurance. It is easy to get stuck on getting the lowest premiums possible, but term life insurance by itself can be costly if you do not fall into the right category.

If you are considering buying term life insurance, you will want to closely examine your family medical history in order to predict whether or not your family will be likely to collect. Term life insurance provides policy holders coverage within a specific time frame.

Should you outlast your term life insurance policy, you may be able to renew it, but if you were not careful when you selected an insurance provider you may have paid premiums for years and not be able to collect a return. That said, double check to ensure that the term life insurance policy you are interested in will allow you to renew, collect your own payout if you live past the specified time frame and is the absolute least expensive policy that you can find.

Whole life insurance, though more expensive than term, is designed to provide policy holders coverage until they are deceased. Many consumers find that it is more difficult to get whole life insurance coverage if they have a family history of early death, but it is not impossible to find an insurance provider.

How Much Should Your Online Life Insurance Policy Payout?

The most difficult part of choosing an online life insurance policy is figuring out how much the cash value should be. You will need to sit down, preferably with your loved ones, to figure out how much money your family would need in the event of your death. One way to come up with a dollar amount is to multiple your annual salary by the number of years that your family would continue to need support. If you have small children, consider their college funds, and if you have elderly parents that depend on you will need to include the amount of support that you provide for them also.

While a $1 million policy may be out of your reach, opt for an online insurance policy payout amount that will comfortably support your family should they ever need it. For most people, choosing an insurance policy that will pay for funeral costs is simply not enough.

Even if you are not the breadwinner in your family, consider your spouse’s emotional state and think about whether or not they would realistically be able to return to work right away if you were to pass. Although life insurance is not a permanent way to replace income, it can be used to financially support your loved ones until they are able to come up with a viable plan and go on with their lives.

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