Life insurance that fits your budget.
Protecting your family shouldn't strain your wallet. See which kinds of coverage make sense for you and compare prices before you commit.
Pick the policy that makes sense for you.
Every type of life insurance explained in plain English, so you only pay for what you actually need.
Term Life
Coverage for a set number of years, usually the lowest price per dollar of protection.
Learn more →Whole Life
Permanent coverage with fixed premiums and a cash value that grows over time.
Learn more →Universal Life
Permanent coverage with more flexibility in premiums and death benefit.
Learn more →Final Expense
Small whole life policies designed to cover funeral and end-of-life costs.
Learn more →No-Exam Life
Get covered without a medical exam, often decided in days instead of weeks.
Learn more →Life Insurance Over 50
Options and price factors for adults in their 50s, 60s, 70s and beyond.
Learn more →Affordable coverage in three steps
Tell us a little
Your age range, how much coverage you want and your ZIP code.
See what fits
Learn which policy types match your budget and goals.
Lock in your price
Choose the plan that works and apply directly with the insurer.
The same coverage can cost very different amounts.
Insurers price risk differently, so two companies can quote the same person very different premiums. Comparing is the simplest way to avoid overpaying.
- Budget-first guides. We start with what you can afford and work back to the coverage you need.
- No hidden catches. Waiting periods, exclusions and fine print, called out clearly.
- Your data, respected. We never sell your info without clear consent.
Ways to lower your premium
Small decisions that can make a real difference:
How much life insurance do you need?
A quick estimate to help you avoid buying too much or too little.
Common questions
Is Affordable Policies really free?
Yes. Comparing is always free for you. We may earn a commission from partners when you request a quote or buy a policy. That never changes the price an insurer quotes you.
Are you an insurance company?
No. Affordable Policies is an informational and comparison service. Policies are issued by licensed insurance companies, and quotes come from them or their licensed agents.
Do I need a medical exam?
Not always. Many insurers now offer no-exam policies that use health questions and data checks instead. Larger coverage amounts or certain health histories may still require an exam.
How much life insurance do I need?
A common starting point is 10 to 12 times your annual income, plus debts like a mortgage and future costs like college. Our calculator above gives you a quick estimate.
Is term or whole life better?
Term life is usually the most affordable way to protect your family during the years they depend on your income. Whole life costs more but lasts your entire life and builds cash value. Many people choose term.
Ready to find coverage you can afford?
It starts with your age range and ZIP code and takes about two minutes.