2024 Guide To Online Life Insurance Quotes - PinnacleQuote

2024 Guide To Online Life Insurance Quotes

If you are looking for online life insurance quotes, you’re in the right place!

I’ve seen a lot of confusion lately about the difference between non-guaranteed and guaranteed universal life insurance. In this post, I’ll break it down for you so that you can make an informed decision on your future financial security.

Non-guaranteed is not as good as guaranteed because there’s no guarantee that the money will be there when you need it most. With guaranteed, at least the company has to pay up if they say they’re going to!

Online Life Insurance Quotes

News Flash: We all have the same quotes!

Free Instant Life Insurance Quotes Online

When you are sitting at your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it is important to understand that the quoter on most websites only reads what information you put in.

In order to get accurate quotes, you will need to speak to an independent agent. For instance, the agent will gather the right information in order to accurately pinpoint the accurate rating class which will determine the price.

Remember, the instant online life insurance quotes will not read current or past health conditions. In addition, every insurance carrier will loom at you differently. So it is very important to talk to an independent agent that is knowledgeable.

Get Life Insurance Quotes

Above all, the motivation behind getting life insurance is that you are needing to protect something. For instance, you have children, a mortgage, or a spouse that is a homemaker, just to name a few. 

Somehow there will be someone or something that is dependent on you, we call this insurable interest. So you will need to figure out how much you need and for how long. Instead of talking about a mortgage, college tuition, I keep things very simple. I base everything on three very important things:

  • The Youngest Child’s Age, because he/she is the one depending on you the most financially.
  • What you make a year in a salary, because if you die tomorrow usually your paycheck dies with you.
  • How many years until retirement.

Now that we have a starting point, let’s talk about what kind of life insurance quotes we will see online. 

Instant Online Term Life Insurance Quotes

In order to receive accurate information online for instant term life insurance quotes you have to give the insurance age, coverage amount, and some personal information like your phone number.

This way when you speak to the independent telesales agent they will have all the accurate rates for you. Once you both isolate the accurate rating class, quote, carrier, then you will complete your application.

Whole Life Insurance Quotes Online

Getting online life insurance quotes is a very simplistic process, or it should be!

Whole life insurance is a life insurance policy for your entire life. It is usually 3-5 times more pricey than say a traditional term policy. The main reason is that the carrier knows it will have to cut a check for a death benefit. 

Whole Life Insurance ‘No Medical Exam’

Most whole life insurance application is submitted with no medical exam. This process is favored by many as an easy and simplistic no-hassle way to get life insurance.

If you are over the age of 60, getting a no medical exam life insurance for seniors is usually a final expense or burial policy under $50,000. 

The process of applying is very simplistic.

  • Online life insurance quotes are as easy as 1, 2, 3!!!
  • Figure out what your need is and how much coverage you need to accomplish your goal.
  • Fill out the application and submit it to the carrier. 
  • Get approved, pay for your policy, and your covered!! It’s as easy as 1, 2, 3!!

Above all, instant life insurance quotes and getting coverage is really that easy.

Instant Online Final Expense Quotes (Our Top 3 Carriers)

Where to buy final expense insurance? That’s a great question, here are our top 3 final expense life insurance carriers. Over the years we have considered these 3 carriers the best final expense insurance companies in the industry. These carriers will also offer coverage for seniors over 75.

These life insurance policies offer superior coverage with a lot of options. In fact, living benefits are built into the policies offering chronic, critical and terminal illness riders. 

What does final expense insurance cover?

  • Final Funeral Arrangements 
  • Loose ends and unsettled debt
  • Money for loved ones

Here is our TOP 3 Instant Quote Final Expense Carriers

#1 Mutual Of Omaha

  • Ages 45-85
  • Amounts $2,000 to $50,000
  • Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement
  • Accidental Death Rider 

Mutual of Omaha is designed to help provide affordable protection that pays benefits directly to the person you choose to take care of your outstanding medical bills, unexpected expenses, or debt that you may leave behind.

  • Ages 45-80
  • Amounts $2,000 to $20,000
  • There is a 2-year graded period. The beneficiary would receive all premiums plus 10%. After 2 years the full benefit would be paid in full.


  • For ages 50-85
  • Coverage from $2,500-$35,000
  • Full death benefit amount paid out from day one
  • Premium rates that will never increase
  • Guaranteed non-cancelable – as long as the premiums are paid on time
  • Instant decision with no medical exam

SBLI’s Living Legacy – Final Expense insurance offers an easy way for you to help protect loved ones during a difficult time. It is designed to provide a valuable life insurance policy that pays cash directly to the person(s) you choose to handle your funeral costs and other debt that you may leave behind.
We offer two types of benefit to help meet these financial needs. Availability of these options is based on your health status at the time of the application.

  • For ages 50-85
  • Coverage from $2,500-$20,000
  • A modified death benefit is paid out in years one (105% of premiums paid) and two (110% of premiums paid) with full benefit from year three onwards, less outstanding debt; once issued, a full death benefit is also paid if the death is the result of an accident
  • Premium rates that will never increase
  • Guaranteed non-cancelable – as long as the premiums are paid on time
  • Instant decision with no medical exam

#3 Foresters

PlanRight Level

  • Issue ages 50-85 and up to $35,000
  • Ages 81-85, $15,000
  • Accidental Death RIder Built Into the policy and is active up to 80 years old. 

Foresters PlanRight Final Expense Policy offers up to $35 000 in a death benefit. You can get instant approval within 10 minutes with a voice signature. Easily the fastest process for consumers that are in good health. 

  • Ages 50-80 $20,000
  • Ages 81-85 $10,000
  • Graded for the first 2 years, Year one 30% of the face amount, year two 70% of the face amount, year 3 100%

Term Life Insurance Quotes ‘No Medical Exam’

Above all, term life insurance is the most cost-effective life insurance you can purchase. In fact, if you’re just starting out with a family and a career it is the best way to protect your family.

We all remember the financial ups and downs that we go through when we start a family. Furthermore, having low-cost insurance will make life’s financial transitions easier. 

With that said, some consumers prefer a no-nonsense fast, and easy process when getting coverage. Many carriers offer a no exam term life policy. In fact, I have had these policies go active within days of the application.  

“I just had a 64-year-old client who was diagnosed with type 2 diabetes at age 38, taking 3 diabetes oral medications (No Insulin), A1C range 6.5-7.2 get approved in 4 days for a Table 2 standard rate with No Exam with American National!”

The convenience of a no exam policy is great for consumers on the go. However, if a consumer has health issues that could be getting worse.

A no exam may be the best bet at an affordable rate, especially if the insurance company rates you differently because of fluids (Blood, Urine). 

No Medical Exam Life Insurance Carriers, Best Quotes

No Exam Life Insurance is as easy as 1,2,3! American National is our top no exam carrier up to $250,000, PERIOD! This fantastic product has living benefits built into the policy.

In addition, they have underwriting sweet spots such as:

  • Cigar and Smokeless Tobacco, 
  • Sleep Apnea,
  • Mild Depression/Anxiety, and
  • Adult ADD 

They also have Preferred Exceptions For Family History for:

  • Colon Cancer
  • Coronary Artery Disease
  • Prostate Cancer

In addition, Standard Plus Consideration for:

  • Prostate Cancer
  • Type 2 Diabetes
  • Coronary Heart Disease
ANICO living benefits

#1 American National

Living Benefits

  • Critical Illness Rider
  • Chronic Illness Rider
  • Terminal Illness Rider

ANICO Signature Term Express 

Offers up to $250,000 for ART, 10,15, 20 & 30 Year Level Premium Policies.

Availability: Age 65 and below; Standard & Substandard Rate Classes Only.

ANICO Signature Term Express

  • Up To $250,000 with no exam
  • ART, 10, 15, 20, 30 Year Level Premiums
  • For 65 Years and below
  • Standard/Substandard Rate Classes Only

No Exam Life Insurance Quotes – Instant Approval 100% Online

Why would I buy life insurance online? Well with the technology today, why not. In fact, getting a no exam life insurance coverage can be achieved within minutes.

The application process is nothing more than a few questions in some cases. The insurance agency you deal with should give you the top life insurance rates when buying life insurance.  

Furthermore, when you apply online to get affordable life insurance you only want to deal with the top life insurance company.

Not only is there no exam types of life insurance such as term life and whole life, but there is also a no-lapse universal life with Sagicor. This policy has coverage between $25,000-$400,000 and up to age 121. 

Here is my contact information if you have any questions on this policy. Or to get a online life insurance quotes, click the quote box on the left.

Related Articles


What are Online Life Insurance Quotes?
Online Life Insurance Quotes are estimates of premium costs and coverage options provided by insurance companies through their websites or online platforms. They offer a quick and convenient way to get an idea of potential life insurance plans.

How Accurate Are Online Life Insurance Quotes?
Online Life Insurance Quotes are generally accurate estimates based on the information provided. However, the final premium may vary after a thorough underwriting process, where additional factors are considered.

How Can I Obtain Online Life Insurance Quotes?
To get Online Life Insurance Quotes, visit the websites of reputable insurance providers, fill out their online forms with necessary details, and receive instant estimates. Many insurance companies also offer tools for comparing quotes from different providers.

Is it Safe to Provide Personal Information for Online Quotes?
Reputable insurance websites use secure connections to protect your personal information. Ensure you’re on a legitimate site by checking for “https://www.pinnaclequote.com/” in the URL and reviewing the site’s privacy policy.

Can I Customize Coverage Options in Online Life Insurance Quotes?
Yes, many online platforms allow you to customize coverage options such as coverage amount, term length, and riders to tailor the quote to your specific needs and preferences.

What Factors Influence the Cost of Online Life Insurance Quotes?
Several factors affect the cost, including age, health, lifestyle, coverage amount, and term length. Younger, healthier individuals typically receive lower quotes.

Can I Purchase a Policy Immediately After Receiving an Online Quote?
In some cases, yes. Some insurance providers offer the option to complete the application process online, allowing you to move from obtaining a quote to purchasing a policy seamlessly.

Is It Possible to Change Coverage After Receiving an Online Quote?
Yes, you can often adjust coverage options before finalizing the policy. The online quote process is a preliminary step, and you’ll have an opportunity to review and modify your choices during the application process.

Are Online Life Insurance Quotes Only for Term Life Policies?
While term life policies are commonly quoted online, some platforms also provide quotes for permanent life insurance policies. It depends on the offerings of the specific insurance providers.


At your desk, smartphone, or tablet, finding a life insurance quote is just a few clicks away. However, it’s important to understand that the quote on most websites only reads what information you put in.

This means if you are looking for quotes online and don’t know how to make sure they’re accurate, we can help!

Simply contact us today and our team of experts will be able to take care of everything for you so that all you have to do is get the best deal possible.

With PinnacleQuote’s streamlined process from start to finish as well as its ability to provide competitive rates across many providers with one simple form submission (and without having to call anyone), an affordable rate could be just a call away.

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