GetFastRates.com
Getting Your First Life Insurance Policy
Buying your first life insurance policy is usually simpler than it sounds -- the main decisions are how much coverage and for how long, and an agent can walk through both.
Is this right for you?
- You've never had a life insurance policy before
- You're not sure where to start or what questions to ask
- You want someone to explain the process plainly before you commit to anything
Your options
Usually the simplest and most affordable starting point for a first policy.
A permanent option worth understanding even if term ends up being the better fit for now.
Many people start with a small employer policy and add individual coverage that isn't tied to the job.
Common questions
What's the easiest type of life insurance to start with?
Term life insurance is generally the most straightforward for a first policy -- simple structure, clear coverage period, and generally the lowest cost for the coverage amount.
Do I need a medical exam for my first policy?
Depends on the coverage amount and product -- some no-exam options exist. An agent can explain what applies to the coverage level you're considering.
How do I know how much coverage to start with?
An agent can walk through a simple calculation based on your income, debts, and dependents rather than guessing at a number.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.