Shop 8+ Life Insurance Carriers in One Place
Compare real term life rates side by side and apply online — in about two minutes. No sales calls, no pressure. Our service is free, and policies cost the same wherever you buy them.
Shop the Market Yourself, in Three Steps
Most people go from first question to submitted application in under 20 minutes.
1 · Compare quotes
Answer a few quick questions and see real rates from 8+ A-rated carriers side by side — in about two minutes.
2 · Pick your policy
Choose the coverage and price that fit your family and budget. Want a second opinion? A licensed agent is one click away.
3 · Apply online
Start your application right from your phone. Many policies issue same-day with no medical exam.*
*Not all applicants will qualify for all products.
Recent Policies Placed Through CoverSavvy
No teaser rates. These are actual monthly prices after underwriting — browse the full rate tables by age to see where you land.
Standard Plus rate class
Non-smoker · Best rate class offered
Applied online through CoverSavvy
Actual policies placed through CoverSavvy in 2026, shown with their issued monthly premiums. Your rate depends on your age, health, coverage amount, and term length.
A Marketplace That Works for You, Not a Carrier
Truly independent
Carriers compete for your business. We don’t work for any one company — and if you don’t need life insurance, we’ll tell you.
No spam calls
Shop and compare entirely online. We will never sell your data. (We just sell insurance.)
Help when you want it
Licensed agents are one click away for second opinions and tricky health questions — never required to see your rates.
Good Questions, Straight Answers
Do policies bought through a marketplace cost more?
No. Life insurance prices are regulated by law — a policy costs the same whether you buy it here, directly from the carrier, or through another agency. Comparing just shows you which carrier prices you best.
Do I need a medical exam?
Often, no. Many products make underwriting decisions from health questions and records — no needles. Larger face amounts (over $1M) or older applicants may require a brief paramedical exam. Some Guaranteed Issue products accept everyone.
Can I get covered today?
Yes. Many instant-issue policies begin coverage as soon as you make your first payment.
What kinds of policies can I shop here?
Term life is what we focus on, and it’s what you can compare and apply for online right here. We’re an independent agency, though — so if you need something else, like permanent coverage or a policy over $5M, just ask and we’ll help you find it.
See Your Real Rates in About 2 Minutes
No obligation. No hidden fees. No spam calls. Just real prices from 8+ A-rated carriers.
Get a Quote