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Compare prices from over 37 of America's top insurers...
"Honestly we couldn’t believe how easy it was. Me and my wife both got a $500,000 plan and we’re only paying like $19 a month!"
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Omar: $500k for $19/month
Can't tell who has the cheapest rates?
Most agents work for one insurance company. Not ours. Policy Market digs deep to find the best rates among ALL of America’s top insurers.
Tired of insurance feeling like a scam?
Big Insurance loves to hide behind jargon and fine print. Policy Market flips life insurance upside down, making insurance companies compete for you.
Want quotes, not sales pressure?
Other agents work for sales commissions. Our agents work for you. Think of them like your personal insurance consultant — not a salesperson.
Cheapest rates, guaranteed.
Find the best plan with the cheapest rates, guaranteed.
Policy Market saves families an average of 33% on life insurance. Maybe that's why we keep winning all these awards!
$2M in coverage starts at $2/day
3,105 families approved
No medical exams or blood tests
Answering 7 questions is all it takes to unlock all the rates. 
Bobby, 48
$3M for $32/month
Click-to-coverage in 3 easy steps
1Step 1
Fill out basic info (less than 1 minute). Your information is only used to check policy eligibility.
2Step 2
Your Policy Pro builds your personal insurance marketplace. Get quotes from 37+ top providers.
3Step 3
Your Policy Pro helps you choose the perfect policy at the best rate. No sales pressure. Same day coverage.
Coverage that fits your family. Prices that fit your wallet.
| Age | Coverage | Price | |
|---|---|---|---|
|
41 | $1,000,000 | $15/month |
|
41 | $1,000,000 | $19/month |
|
41 | $1,000,000 | $17/month |
|
41 | $1,000,000 | $25/month |
|
41 | $1,000,000 | $33/month |
|
41 | $1,000,000 | $31/month |
|
41 | $1,000,000 | $25/month |
|
41 | $1,000,000 | $22/month |
|
41 | $1,000,000 | $19/month |
|
41 | $1,000,000 | $18/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
45 | $500,000 | $19/month |
|
45 | $500,000 | $11/month |
|
45 | $500,000 | $15/month |
|
45 | $500,000 | $21/month |
|
45 | $500,000 | $20/month |
|
45 | $500,000 | $9/month |
|
45 | $500,000 | $12/month |
|
45 | $500,000 | $14/month |
|
45 | $500,000 | $26/month |
|
45 | $500,000 | $29/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
63 | $1,000,000 | $129/month |
|
63 | $1,000,000 | $105/month |
|
63 | $1,000,000 | $99/month |
|
63 | $1,000,000 | $89/month |
|
63 | $1,000,000 | $119/month |
|
63 | $1,000,000 | $180/month |
|
63 | $1,000,000 | $75/month |
|
63 | $1,000,000 | $119/month |
|
63 | $1,000,000 | $200/month |
|
63 | $1,000,000 | $85/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
61 | $500,000 | $105/month |
|
61 | $500,000 | $149/month |
|
61 | $500,000 | $129/month |
|
61 | $500,000 | $89/month |
|
61 | $500,000 | $95/month |
|
61 | $500,000 | $119/month |
|
61 | $500,000 | $68/month |
|
61 | $500,000 | $74/month |
|
61 | $500,000 | $111/month |
|
61 | $500,000 | $97/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
47 | $750,000 | $75/month |
|
47 | $750,000 | $65/month |
|
355 | $750,000 | $35/month |
|
47 | $750,000 | $55/month |
|
47 | $750,000 | $45/month |
|
47 | $750,000 | $60/month |
|
47 | $750,000 | $49/month |
|
47 | $750,000 | $53/month |
|
47 | $750,000 | $39/month |
|
47 | $750,000 | $60/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
32 | $350,000 | $25/month |
|
32 | $350,000 | $15/month |
|
32 | $350,000 | $40/month |
|
32 | $350,000 | $29/month |
|
32 | $350,000 | $21/month |
|
32 | $350,000 | $18/month |
|
32 | $350,000 | $29/month |
|
32 | $350,000 | $22/month |
|
32 | $350,000 | $17/month |
|
32 | $350,000 | $30/month |
| Age | Coverage | Price | |
|---|---|---|---|
|
68 | $75,000 | $32/month |
|
68 | $75,000 | $35/month |
|
68 | $75,000 | $47/month |
|
68 | $75,000 | $29/month |
|
68 | $75,000 | $32/month |
|
68 | $75,000 | $38/month |
|
68 | $75,000 | $45/month |
|
68 | $75,000 | $59/month |
|
68 | $75,000 | $46/month |
|
68 | $75,000 | $34/month |
Kevin Steele
5 Star Agent
Kevin Steel is an insurance expert leading our team of Policy Pros here at Policy Market.
Roger Stephens
5 Star Agent
Roger Stephens crafts personalized insurance plans with a focus on client needs.
Cale Reeves
5 Star Agent
Cale Reeves blends industry knowledge with personal advice and is committed to clients.
Nicole Banter
5 Star Agent
Nicole aligns strategies with clients' aspirations, making her a top expert.
Mark Sidway
5 Star Agent
Mark provides strategic, personalized life insurance coverage for peace of mind.
Adrian Adams
5 Star Agent
Adrian uses her extensive knowledge to deliver customized life insurance plans.
Tired of agents who don’t get it? Talk to a 5 star Policy Pro instead.
Speak to your personal Policy Pro and compare rates from dozens of America’s top insurance companies. Get covered, get peace of mind, and get on with your life.
Same day coverage
No sales pressure
Cheapest rates
No medical exams
"We wasted a lot of time getting some OUTRAGEOUS quotes from other insurance companies. With Policy Market I saved a TON of money."
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Bobby: $3M for $32/month
Right policy. Right price.
Get coverage that fits your family, at a price that fits your wallet.
We work for you, not insurance companies.
Other companies want you to buy their most expensive policies. We want to help you find the best. Why? Because we don’t work for a single provider — we work for you.
The easiest way to get life insurance, guaranteed.
No medical exams. 100% digital applications. Same day coverage. Applying for life insurance shouldn’t take a lifetime.
Find the perfect policy for your life and family.
Get a policy with the right amount of coverage, for the right amount of time. Whether you need term or lifelong protection, we’ll help you find it.
"Thankfully we found Policy Market, because otherwise we would have paid TRIPLE for insurance. Unbelievable savings and SUPER fast."
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Casandra: $2M for $24/month
Your family. Your needs. Your price.
Medical Exam
Starts at $15/month
Term Life
Starts at $9/month
Whole Life
Starts at $75/month
Universal Life
Starts at $65/month
Variable Life
Starts at $35/month
Mortgage Protect
Starts at $15/month
Final Expense
Starts at $29/month
Disability Ins.
Starts at $125/month
Senior Life
Starts at $27/month
Long Term Care
Starts at $85/month
Key Person
Starts at $45/month
Burial Ins.
Starts at $22/month
Introducing Policy Market’s same day coverage guarantee.
Applying for life insurance shouldn’t take a lifetime. With Policy Market, 7 questions is all it takes to unlock all the rates.
Same day coverage
No sales pressure
Cheapest rates
No medical exams
Why buy life insurance?
Life insurance is your financial safety net for loved ones. If something happens to you, it covers funeral costs, pays off debts, and ensures your family stays financially secure. Think of it as your last, best gift to those you care about.
What are the main types of life insurance?
The main types are term life, whole life, universal life, and variable life. Term life covers you for a set time. Whole life covers your entire life and builds savings. Universal life offers flexibility in premiums and benefits. Variable life lets you invest.
What's the difference between whole life and term life?
Whole life is lifelong coverage with a savings account. Term life is coverage for a specific period, like 10, 20, or 30 years, and is usually cheaper.
What are the best life insurance companies?
The best companies are those with competitive rates, solid customer service, and strong financial ratings. Think of giants like Prudential, MetLife, and New York Life. Or just use Policy Market to compare over 37 top insurers and find your best match.
Why use Policy Market to compare rates?
Policy Market makes life easy. Compare rates from 37 top insurers in one go. Our agents work for you, not the insurance companies. No sales pressure, just solid advice to get you the best deal.
What are the average rates for life insurance in 2024?
Rates vary, but for a healthy 41-year-old, a $1,000,000 term policy might cost $15 to $33 a month. Whole life is pricier, starting around $75 a month. Use Policy Market to get personalized quotes.
Will I need to get a medical exam?
Many policies from Policy Market don’t require a medical exam. It’s life insurance without the hassle of needles and doctor visits. No-exam policy availability depends on your age and health.
What exclusions are there?
Exclusions are rare situations where your insurance company won't cover you. Common exclusions include suicide (usually within the first two years), acts of war, and dangerous activities like skydiving. Read your policy’s fine print to know exactly what’s covered.
How much life insurance do I need?
A good rule of thumb is 10-12 times your annual income. Consider your debts, future income needs, and family expenses. Policy Market’s agents can help you figure out the right amount.
What happens if I miss a payment?
Miss a payment, and your policy might lapse. Most have a 30-day grace period to catch up. Contact your insurer quickly if you miss a payment to keep your coverage active.
Can I convert my term life policy to whole life?
Yes, many term policies let you convert to whole life without a medical exam. It’s a smart move if you want lifelong coverage.
What is a beneficiary and how do I choose one?
A beneficiary is who gets the money when you pass. Choose someone who’ll need the financial support—like your spouse, kids, or dependents. You can name multiple beneficiaries and decide how to split the payout.
Life insurance made easy
Answering 7 questions is all it takes to unlock all the rates.
Cheapest rates, guaranteed.
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