Life Insurance · Term · Whole · IUL · Final Expense
Life Insurance Personalized to You.
Term, whole, IUL, mortgage protection, and final expense from 14 A-rated carriers. A licensed advisor compares rates and finds your best possible premium — free, no obligation.
14A-Rated Carriers
42States Licensed
$0Our Fee
No SSN required · No medical exam to quote · Or call (844) 788-3733
Start Your Free Quote · 2 Minutes
How It Works
Covered in Three Steps
No jargon. No pressure. Just straightforward help from a licensed advisor.
01
Answer a Few Questions
Product type, age, health, and coverage. About 2 minutes — no SSN required.
02
Connect with an Advisor
A licensed FreedInsure life specialist reviews your situation and pulls live quotes from 14 A-rated carriers.
03
Lock In Your Best Rate
Pick the carrier and policy that fits. No pressure, no charge to you — ever.
What You Get
More Than Just a Plan
Six policy types. Fourteen A-rated carriers. One advisor who shops them all for you — free.
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Term life.Coverage for 10–30 years at the lowest premiums. Ideal for mortgage protection, income replacement, and growing families.
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Whole life.Lifetime coverage with guaranteed cash value. Premiums never increase. Tax-advantaged growth.
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Indexed Universal Life (IUL).Cash value growth linked to market indexes with a 0% floor. Tax-advantaged retirement income through policy loans.
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Final expense.$5K–$50K coverage. Simplified underwriting — no medical exam. Approval in days.
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Mortgage protection.Pays off your mortgage if something happens to you. Your family keeps the home.
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14 carriers compared.Mutual of Omaha, Transamerica, Americo, Assurity, Ameritas, and more. Your advisor finds the best rate — free.
14
A-rated carriers.Shopped on every quote.
42
States licensed.Coverage everywhere.
10,000+
Members enrolled.Real families covered.
$0
Broker fee.Paid by carriers, not you.
A Sample of the Carriers We Compare
Common Questions
Life Insurance, Answered
Six of the questions our advisors hear most often.
How much life insurance do I actually need?
A common starting point is 10–12x your annual income, plus mortgage balance, plus future obligations like college tuition. Your advisor walks through the math during the call — it’s typically more than people guess, but the right number depends on your specific situation.
Term vs whole life — which is right for me?
Term is cheaper and best for temporary needs (mortgage, kids until they’re independent, income replacement during working years). Whole and IUL are permanent and build cash value — better for estate planning, lifetime coverage, and tax-advantaged growth. Many families use both.
Will I need a medical exam?
Depends on the policy and coverage amount. Many of our carriers offer no-exam options up to $1M–$2M of coverage. Final expense and simplified-issue policies almost never require an exam. Your advisor identifies your no-exam options upfront.
What does life insurance cost?
Premiums depend on age, health, gender, tobacco use, coverage amount, and policy type. Term life for a healthy 35-year-old can start around $20–$40/month for $500K of 20-year coverage. Whole life and IUL premiums are higher because they include cash value. Your advisor pulls live quotes from 14 carriers for your specific profile.
Can I get coverage if I have health conditions?
Almost always, yes. Diabetes, heart conditions, history of cancer, mental health, sleep apnea — all are insurable. The carrier and price varies based on the specifics. Some carriers specialize in higher-risk underwriting. Your advisor identifies which carriers offer your best rate.
Why work with a broker vs going direct?
A direct quote only shows you that one carrier’s rate. A broker shops all 14 carriers and finds your lowest premium for your specific health profile. Same coverage, same A-rated insurers — often 20–40% lower premium. Brokers are paid by carriers, not you — our service is always free.
Reviews
What Our Members Say
Protect What Matters. Get Your Quote.
14 carriers compared. Term, whole, IUL, and final expense — your advisor finds the right fit for your family and budget. Free, no obligation.
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