Reminder: September is Life Insurance Awareness Month; Prices Fall to All-Time Lows

DARIEN, Illinois (September 1, 2021) –, the online insurance broker that offers instant, comparative quotes from 40 leading life insurers and allows customers to purchase from the company of their choice, today reminds consumers that September is Life Insurance Awareness Month and that life insurance prices are now at all-time lows.

Michelle Zieba, vice president, said, “Parents without life insurance need to step up. Personal life insurance ownership among American households fell to 52% last year. And 42% of people believe they would struggle to pay living expenses within six months if a primary wage earner died. The good news is, getting fresh quotes takes only seconds at”

The LifeQuotes proprietary technology enables instant quotes from up to 40 insurers, underwriting guidelines disclosed, instant-decision underwriting and online buying capability all backed by caring, salaried telephone specialists who are trained to assist and inform without any sales pressure.

Other customer-pleasing features of the platform include automatic quoting of Final Expense, Term Life, Whole Life and Universal Life, no-exam underwriting, and the disclosure of actual underwriting guidelines so that people with health histories can better understand, up front, the expected final price.

Zieba continued, “No parent should rely solely upon life insurance from their workplace because that coverage is typically capped at two times annual earnings and the coverage might not be portable should you change employers. Having an adequate amount of life insurance in place is important and everybody’s situation is unique. Here are some guidelines.”

  • For people who work and have dependents, children or a mortgage: 10-15 times annual income
  • For home caregivers: $300,000 minimum
  • For burial-only coverage: $10,000-$25,000

Owners of term life insurance policies are reminded that their policies might contain the right to convert all or part of their term life policy to a permanent policy with no health questions or medical exam.

Instant decision term life plans rise in popularity

The chart of sample monthly premiums below reveals the best possible monthly prices for a 10-year, instant decision level term life policy. Most 10-year term life policies are renewable, without evidence of insurability, to age 90+ and may be convertible to permanent insurance without having to undergo further underwriting. Other initial rate guarantee periods such as 15, 20, 25, 30 years and longer are also available as are Universal Life and Whole Life, both of which can provide a level death benefit and level premiums for life.

Instant Decision Sample Rates, 10 Year Term
Female Monthly Rates
Instant Decision Sample Rates, 10 Year Term
Male Monthly Rates
Instant Decision Sample Rates, 20 Year Term
Female Monthly Rates
Instant Decision Sample Rates, 20 Year Term
Male Monthly Rates
Instant Decision Sample Rates, 30 Year Term
Female Monthly Rates
Instant Decision Sample Rates, 30 Year Term
Male Monthly Rates

The sample premiums shown above assume that the applicant is in good health and has no ratable medical issues. Applicants with pre-existing medical issues can view instant quotes at Customers who want quotes and advice by phone can talk to our licensed specialists by calling (800) 556-9393.

Past Accolades for

  • 2023: reaches 410,000 customers 
  • 2023: celebrates 130,500 Home Page Customer Reviews averaging 4.68 Stars 
  • 2023: celebrates 2,300 Google Reviews averaging 4.8 Stars 
  • "Life Insurance Innovation" award winner... Life Insurance Direct Marketing Association 
  • "The premier Web site in terms of details and ease of use..." -- Yahoo! FINANCE 
  • Twice Ranked #1 life insurance website by Kiplinger's 
  • Named a "100 Most useful website" by MSN Money 
  • Past Winner: Forbes' "Best of the Web" 
  • "The best website I've found..." -- Dallas Morning News 
  • "...we'd recommend you do your insurance shopping here..." -- Barron's 
  • "...outstanding - as good as a Web site on insurance can possibly be. Hats off and a gold star to the top insurance site on the Web." -- Insurance for Dummies 

Survey Methodology

Fifty leading life insurers rated “A” or better were polled as to how they underwrite breast cancer survivors for a California resident. Rates may differ in New York. Life insurance policies described, quoted, shown and illustrated throughout this press release may not be available in all states. Banner Life Insurance Company, Urbana, MD, policy form ICC08-LIA, and William Penn Life Insurance Company, Garden City, NY, policy form LIA-WP, both Legal & General America companies; Haven Life, a subsidiary of Massachusetts Mutual, Springfield, MA, policy form ICC19PCM-SI 0819; Pacific Life Insurance Company, Omaha, NE, policy form ICC18 A18LYAP Protective Life Insurance Company, Birmingham, AL, policy form ICC12-400 and Protective Life and Annuity in NY under policy form PL-400- NY; Pruco Life Insurance Company of New Jersey, Newark, NJ, policy form ORD 96200-2010, member companies of Prudential Financial, Inc., Newark, NJ; The Savings Bank Mutual Life Insurance Company of Massachusetts, Woburn, MA, policy form ICC17-A-91 (SBLI and The No Nonsense Life Insurance Company are registered trademarks of The Savings Bank Mutual Life Insurance Company of Massachusetts, Transamerica Financial Life Insurance Company, Harrison, NY, policy form APA 40NY- 107 and Transamerica Life Insurance Company, Cedar Rapids, IA, policy form APA401008T, both AEGON companies. 

About operates an Internet-based life insurance exchange at The company also provides private label, co-branded life insurance technology and fulfillment services to insurance companies, financial institutions, affinity groups, banks, credit unions, property & casualty agencies, trade associations, and other affinity groups with large customer bases. The company’s proprietary technology provides instant quotes and illustrations from 50 leading life insurers and enables a quick, paperless purchase process . More than 400,000 people have purchased policies through since the firm’s founding in 1984. Visit for more information or to explore the life insurance quoting experience online.