Buying life insurance online is a quick and easy process. But finding the right coverage at the right price can be a challenge. For some people, shopping online for life insurance allows you to enjoy convenience and transparency, enabling you to feel confident in your decision.
At SelectQuote, we’re here to help you shop smart, avoid common mistakes, and feel confident in your decision. We believe the best way to secure your family’s financial future is with the right protection. It’s a solution that is tailored to your needs and budget, and it should always come with peace of mind.
The Modern Way to Secure Your Family’s Future
The modern way to buy life insurance begins online. It’s faster and lets you explore options from any device, without the pressure of a salesperson. You can use online calculators to get instant quotes and check out some of the options that may be available to you.
But for many people, this is just the beginning.
While shopping online offers convenience, it’s also easy to get the wrong amount of coverage—either too much or too little. Even though they’re handy, simple online calculator tools can't account for the nuances of your specific situation, like your family’s future needs or your individual health.
Finding the Right Policy Without the Upsell
Choosing the right policy isn't only about low premiums. It's also about finding coverage that truly meets your needs.
When you apply for life insurance through a digital-only company, the process is streamlined to be as fast as possible. However, because these companies can’t verify your specific health status with a medical exam or interview, they have to account for the risk of insuring all health types. To protect their business, the insurance company will often price the policies based on a broader, less specific health profile. This means you may end up paying a higher premium than you should.
While comparing policies online can make the process faster and easier for some people, others may find working with a life insurance agent helps personalize the process so they get the exact level of coverage they need. At SelectQuote, we work with some of the nation’s most trusted carriers to quickly compare hundreds of policies for you. We find the coverage you need at a price that works within your budget.
A Quick Look at Term vs. Whole Life Insurance
Knowing the difference between term and whole life insurance is crucial for making an informed choice. Here's a straightforward side-by-side comparison to help you evaluate your options.
Term Life Insurance | Whole Life Insurance |
Typically lower premiums | Higher premiums, lifetime coverage |
Coverage lasts for a set term (10–30 years) | Permanent coverage that never expires, as long as premiums are paid |
Designed for temporary needs like mortgages, income replacement, or raising children | Includes a cash value component that increases over time |
Flexible and affordable option for budget-conscious shoppers | Works as protection and a long-term financial tool |
For more details on how each policy works, refer to our article on term and whole life insurance.
The Steps to Buying Life Insurance Online
Buying life insurance online is an important step. But the process is straightforward and simple.
Here's what it typically looks like:
Get instant quotes. Enter some basic information and review your policy options instantly.
Compare options side by side. Review coverage options, policy types, and costs to find the one that fits you best.
Choose the right plan for you. Select the coverage that suits your needs and budget.
Fill out your application. Complete the secure online form. If you have questions, reach out to a licensed agent.
Activate your policy. Feel secure knowing your family is protected.
With the right tools, you can explore your options and buy the life insurance online you need. And you can do it all without leaving the comfort of your home.
Life Insurance Support When You Need It
Shopping for insurance online is easy, but you might still want more details or a second opinion on a policy. That's where our licensed insurance agents come in.
Our licensed agents are the secret to helping you get the right life insurance policy for your needs. They are experienced, compassionate, and ready to answer your questions. They can explain coverage options so you feel confident in your choice. Our agents provide unbiased price comparisons and serve as a resource to simplify what can often be a complex process. They are commission-agnostic, meaning they are truly working in your best interest.
Get a Free Quote with SelectQuote
Buying life insurance online doesn't mean you have to sacrifice clarity or peace of mind. You can use modern tools to compare policies and gain a better understanding of your options. Then, you can work with our experts to select the best policy for you and your family.
Take the next step toward protecting your future today.
