How we get our numbers

Every rate and statistic on this site is computed from real policies placed through our service — here is exactly how, and what the figures do and don't mean.

Who we are

LifeInsurancePlans.com is a free comparison and matching service. We are not an insurance carrier and we do not sell insurance directly: when you request a quote, we match you with licensed carriers or agents who can quote and write coverage in your state. We may receive compensation from partners, which can affect with whom you are matched — never the figures we publish.

The dataset

Our published figures come from internal placement records of 38,308 policies placed through our service between January 2020 and July 2026, across final-expense and life-insurance lines. Pages about life insurance plans additionally use the life-insurance segment: 1,595 policies placed between October 2025 and July 2026.

Each record is one placed policy: the premium as sold, the buyer's age band, gender, state, and coverage amount.
Records are de-duplicated across systems before any statistic is computed.
No personal information is ever published — only aggregates.

How figures are computed

Medians, not averages, wherever possible — a few large policies would otherwise distort the picture.
Minimum sample sizes: a rate cell must contain at least 15 policies to be served by our live rate lookup, and at least 8 to appear in a published table. Below that we print "—" or hedge the wording.
The n is visible: tables and statistics state how many policies stand behind each number.
Rolling windows: "current" rates use roughly the most recent 24 months of placements; trend figures state their exact years.

What the numbers are not

Our figures are estimates for education, based on what real buyers paid through our service. They are not carrier-published rates, not a quote, and not an offer of insurance. Your actual premium depends on your age, gender, tobacco use, health, coverage amount and state, and is always confirmed by the carrier at application.

Updates and corrections

Data was last reviewed in August 2026. We refresh published figures as the book grows. If you believe a figure is wrong or outdated, contact us and we will review it against the source records.

See the numbers in action: life insurance statistics · cost by age · rates for seniors.