Life Insurance
Compare term, whole life, universal life, IUL, and no medical exam life insurance by phone, including term life for seniors. Talk with a licensed agent, no obligation.
Explore life insurance Browse by state American Life Rates
See if you may qualify for up to $100,000* in life insurance coverage Rates starting around $29/month*
Call now to compare life insurance quotes and final expense rates with a licensed agent, including term life, whole life, and no medical exam options, in a quick, no-obligation phone review.
Call now to speak with a licensed insurance agent. Free, no-obligation review.
* Pricing examples are illustrative only. Actual premiums, coverage amounts, and eligibility vary by age, health, tobacco use, state, carrier, and policy type.
- Check term life, whole life, IUL, and no medical exam life insurance options.
- Compare final expense and burial insurance for seniors from multiple carriers in one call.
- No long online forms and no obligation to buy.
Coverage options
Life insurance and final expense coverage, compared by phone.
Tell us what you want to protect, and we'll help you compare life insurance quotes or burial and funeral coverage that fits.
Final Expense Insurance
Compare final expense, burial, and funeral insurance for seniors by phone, including no exam, guaranteed issue, and no waiting period plans for those who qualify.
Explore final expense insurance Browse by state Choosing a policy
Life insurance vs. final expense insurance: which fits your needs?
Both pay a death benefit to the people you choose. The difference is how much coverage you need and how long you need it to last.
When traditional life insurance may fit
Life insurance is usually sized to replace income, pay off a mortgage, or fund long-term family goals. Term life covers a set number of years at a lower cost, while whole life and other permanent policies are built to last for life and can build cash value.
Term vs. whole life insurance explainedWhen final expense insurance may fit
Final expense insurance, often called burial or funeral insurance, is a smaller whole life policy meant for funeral costs and final bills. It is popular with adults over 50 because most plans skip the medical exam and ask a few health questions instead.
Final expense vs. regular life insuranceMany families use both: a larger term policy for the working years and a small final expense policy for lifelong funeral planning. A licensed agent can help you weigh the options for your age, health, and budget.
3 quick steps
How the call works
Call to review your options
Speak with a licensed agent at (844) 658-4509 — no online forms, no waiting for a callback.
Compare your options
We'll walk through coverage amounts, plan types, and pricing so you can compare choices side by side.
Choose coverage with confidence
Move forward only when you're ready. We'll explain next steps clearly, in plain English.
Why call American Life Rates
Why people call instead of shopping alone.
A short phone call can save time and make your options easier to understand.
Skip the long online forms
Answer a few quick questions by phone instead of filling out a long quote form.
Talk to a licensed agent
Get clear answers from a real person who can explain your options in plain language.
Compare multiple carriers
Review coverage choices from multiple carriers in one call.
Popular coverage pages
Compare term life, whole life & burial insurance.
Start with the plans callers ask about most, from life insurance quotes and affordable term life rates to final expense coverage for seniors.
Term Life Insurance
Affordable term life insurance built for income replacement, family protection, and mortgage payoff needs, with term life rates and lengths you can compare by phone.
Compare term life insuranceWhole Life Insurance
Permanent life insurance with predictable premiums and lifelong coverage, often used for estate planning, legacy goals, and family protection.
Compare whole life insuranceLife Insurance Quotes
Compare life insurance quotes and rates by phone, with term, whole life, and no exam pricing from multiple carriers explained by a licensed agent. No obligation.
Compare life insurance quotesTerm Life Insurance for Seniors
Term life insurance for seniors in their 50s, 60s, and early 70s who want affordable coverage for a mortgage, a spouse, or debts over a set number of years.
Compare term life insurance for seniorsBurial Insurance
Simple whole life style coverage designed to help with burial costs and related family expenses, with benefit amounts sized for funeral and burial budgets.
Compare burial insuranceFinal Expense Insurance for Seniors
Final expense insurance for seniors focused on monthly budget concerns, health questions, and planning needs for adults over 50, over 60, and their families.
Compare final expense insurance for seniors FAQs
Frequently asked questions
A few quick answers before you call.
How much does life insurance cost for my age?
Life insurance cost depends on your age, health, tobacco use, coverage amount, and whether you choose term, whole, or another permanent policy — rates for seniors and older adults are typically higher than for younger applicants. The fastest way to get an accurate number is a quick call — an agent can walk through pricing for your specific situation in a few minutes.
Do I need a medical exam to qualify?
Not always. Many carriers offer no medical exam options for both life insurance and final expense coverage, though eligibility and pricing can vary. An agent can tell you which options you may qualify for.
Do final expense and burial insurance plans have a waiting period?
It depends on the plan. Some final expense and burial insurance policies pay the full benefit from day one for applicants who qualify, while guaranteed issue plans often have a graded benefit or waiting period of about two to three years. An agent can explain which type may fit your health and budget.
Is calling free and without obligation?
Yes. Calling (844) 658-4509 connects you with a licensed agent for a no-cost, no-obligation conversation about your coverage options.
More answers
Browse every life insurance, final expense & burial insurance question.
We've answered the questions people ask most before buying coverage — no sign-up required.
No-obligation call
Ready to review your options?
Call now to speak with a licensed agent about life insurance or final expense coverage, with no obligation to buy.