Lock in your lowest life insurance rate
The older you get, the more life insurance rates increase. The sooner you buy, the sooner you'll lock in your lowest premium—and save the most money in the long run.
Lock in your lowest life insurance rate
The older you get, the more life insurance rates increase. The sooner you buy, the sooner you'll lock in your lowest premium—and save the most money in the long run.
Minalife makes it easy to apply for a life insurance plan that helps
protect those you care about most.
Quick and Easy Application
The online application process on the Minalife is designed to be quick and easy. You can fill out the necessary information and complete the application without hassle.
Explore Coverage Options
you can easily explore a wide range of coverage options in Minalife. We have teamed up with top-rated insurance carriers to provide a variety of plan.
Personalize Your Coverage
Minalife uses advanced data technology to personalize your coverage. Minalife tailors the available coverage plans to fit your specific requirements based on provided information
A simple way to save on life insurance
Purchasing life insurance early typically sets you up for your best rates. The average life insurance cost can increase by 8%, on average, for each year you delay. However, the moment you sign your policy, your rate is locked in and won't change during the policy's term. For example, a 40-year-old non-smoking male in good health could get a new, 20-year term policy with $1 million coverage for $2,172 a year.* However, if he were to purchase the same policy at age 41, his cost would rise to $2,340 a year—and he'd spend $2,508 annually if he waited another year.
Average term life insurance rates by age
As you age, your average life insurance costs increase. Based on our policies, we developed a chart that shows the shift in premiums based on different age groups. The term life insurance quotes shown represent a 10-year term life insurance policy with a death benefit of $1 million for applicants in good health. In this scenario, the monthly cost of life insurance for a 35-year-old non-smoker would be $65. A 45-year-old non-smoker would pay a $135 monthly premium for the same policy.* By purchasing this policy at age 35 instead of 45, you could save $840 per year over the life of your policy.
Waiting until you have kids
Delaying life insurance purchase may result in higher premiums and missed low rates. Even without kids, it covers debts, medical bills, mortgages, and funeral expenses. Obtaining coverage at a younger age benefits with lower premiums and safeguards against health-related challenges in the future.
Relying on employer-sponsored coverage
Employer-provided life insurance often lacks sufficient coverage, usually limited to one to two times your salary. Experts advise having coverage around ten times your salary. Relying solely on employer coverage risks losing it during employment changes, making personal policies crucial for protection against unexpected life events.
See a range of personalized price estimates in seconds.
A+ rated and backed by top insurance agencies
Minalife works with some of the world's largest and most respected insurance companies, so you can feel confident and secure. Minalife puts our customers and their needs first, as is evident in our excellent user ratings.
via Trustpilot
They made it extremely simple and easy…
They made it extremely simple and easy to apply. The process took much less time than the competition. Their representatives were cordial and friendly. The cost was a third less. I would highly recommend this company.
Mason E.
via Trustpilot
Getting life insurance was so easy…
Getting life insurance was so easy through Minalife. I’ve been procrastinating doing it for years because the whole process felt intimidating and confusing. Minalife cut right through all that and made it simple for me.
Laleh H.
via Trustpilot
Fast approval & great life insurance rates!
Extremely efficient easy application process & took less than a week for approval. Compared premiums from many insurance companies & Minalife Life had the best rates. Medical not required. HIGHLY RECOMMENDED!
Donald L.
via Trustpilot
This was such a good experience looking…
This was such a good experience looking at insurance policy options. The experience working with the Minalife team was so simple and easy. In the end I was given options that exceeded my expectations and gave me peace of mind thay my wife is in good hands if something happened to me.
Roger H.
*Sample based on 2021 rates. Individual rates may vary by carrier, underwriting class, date of issue, and other factors.
"How Age Affects Life Insurance", Investopedia. https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp
Google rating as of 3/31/23.
Legal
Terms of Use© 2023 Minalife Technologies Inc. Minalife operates in some states as Minalife Life Insurance Services. CA license #0L28949; AR license #100164629. Minalife offers policies issued by the carriers listed at www.Minalife.com/carriers.Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
© 2023 Minalife Technologies Inc. Minalife operates in some states as Minalife Life Insurance Services. CA license #0L28949; AR license #100164629. Minalife offers policies issued by the carriers listed at www.Minalife.com/carriers.Products and their features may not be available in all states. To help avoid requiring a medical exam, our application asks certain health and lifestyle questions.
