Since 1994Choose your state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
What changes from state to state
- Who regulates insurance. Every state has its own insurance department (Florida splits the job between two agencies). That's where you verify licenses and file complaints.
- Free-look period. Most states that set one give you 10 days after delivery to return a new policy for a refund. A few give more, and many give longer when the policy replaces existing coverage.
- Guaranty association limits. Every state has a safety net if an insurer fails, but coverage limits differ.
- Estate, inheritance and marital property rules, which affect how a large policy should be owned and who should be the beneficiary.
What mostly doesn't change is the price: age, health, nicotine, amount, term and insurer matter far more than your state. See how term life is priced.
Coverage available nationwide
See estimated monthly prices for your age and health, then talk with a licensed agent in your state.
General information, not legal or tax advice. Checked October 17, 2026.