Protect your family's income with the right life insurance.
Term life covers a set number of years. Whole life covers you for life and builds cash value. Answer a few questions and a licensed agent will compare options for you.
- Free, no-obligation options
- Licensed agents in your state
- About a minute to fill out
Not a government program. Not an insurance company.
How it works, in plain language.
Term life
Covers a set period, often 10, 20 or 30 years. Usually the lowest cost per dollar of coverage. If the term ends, coverage ends.
Whole life
Covers you for life with fixed premiums and builds cash value. Costs more than term for the same benefit.
What to have ready
Roughly how much coverage you want, how many years you need it, and basic health information.
A few questions, then a real conversation.
Answer a few questions
Coverage type, age and state. It takes about a minute and there's no account to create.
A licensed agent calls you
We connect you with licensed agents who can offer policies in your state. They explain options in plain language.
You decide
Compare prices and coverage, ask questions, and take your time. You're never obligated to buy.
Lucy points the way. Licensed agents do the rest.
Lucy is an illustrated character, not a real person and not an agent. Lifeline Lucy is a free service that connects you with licensed insurance agents, so you can get real answers without searching through dozens of websites.
We don't sell insurance and we don't give insurance advice. The agents we connect you with are licensed in your state and can compare options from the companies they work with.
How much coverage do I need?
A common starting point is enough to replace several years of income and pay off debts like a mortgage. An agent can help you work out a number.
Do I need a medical exam?
Some policies require one and some don't, depending on age, health and coverage amount.
Term or whole?
Term fits a need that ends, like children growing up or a mortgage. Whole fits a need that lasts for life. An agent can explain the trade-offs.
Does this cost anything?
No. Our service is free. If you decide to buy a policy, you pay the insurance company, not us.
Who will contact me?
One or more licensed insurance agents or agencies, and possibly our team to confirm your details. They may call, text or email.
Is Lifeline Lucy an insurance company?
No. Lifeline Lucy is run by NxLeads LLC, a marketing company. We connect people with licensed agents. We don't sell insurance, set prices or give advice.