Plans from $14/month
Real coverage, without the climb.
We match you with a life insurance or final expense plan that actually fits — in under 2 minutes, no medical exam required for most plans.
Up to $1.5M in cover
Why it costs less than you'd guess
Most people overestimate the price by 3x.
A real policy can start around $14–$30 a month depending on your age and coverage type. We're not tied to one carrier, so we're not steering you toward whatever pays us best — just what actually fits your budget.
See what I'd payWhat makes us different
Three reasons people actually choose us.
Independent, not captive. We work with multiple A+ carriers, not one — so the match fits you, not a quota.
Matched, not sold. The quiz does the work upfront, so you only talk to someone once we already know what you likely qualify for.
Built for real situations. Young family, aging parent, no medical history on file — including no-exam options.
Only top-rated carriers
You're on solid ground.
Every partner is vetted on financial strength, claims history, and the experience they give policyholders.
A+ Rated
Every partner is rated for financial strength — the thing that matters most if a claim is ever filed.
No-Exam Options
Simplified and guaranteed-issue plans available, especially for final expense coverage ages 50–85.
Fast Response
A real person follows up within one business day — no call centers, no scripts.
How it works
So, how do we do it?
Thirty seconds of questions. One clear match. We handle the comparison so you can pick with confidence.
Take the 30-second quiz
A few quick questions — no medical exam, no commitment, no sales call yet.
We match you
Based on your answers, we line up the plan and carrier that fit your age, health, and budget.
Get covered
Talk to a licensed advisor once, lock in your rate, done.
About Policy Peak
A policy is a promise. We make sure it's one you can trust.
We exist to make sure that promise is honest, affordable, and ready when life shifts beneath your feet.
Talk to usWhen do I need life insurance?
If you're planning on getting married, having kids, or buying a home, you should probably start to think about it. You will want to make sure that your family is provided for, and can pay off your debts after you're gone. Getting life insurance while you are young and healthy can result in lower premiums, as you pose a significantly lower risk.
Get helpDoes my age effect my cost?
Yes, your age can affect your premiums. Your insurance company is going to evaluate the risk that you pose to the company and place you in a 'risk grouping'. Usually, the younger you are, the healthier you are, the lower the risk you pose, the lower the premiums that you have to pay. Keep in mind that age is only one factor, and the insurer will also look at things like your gender, medical history, physical condition and if you smoke.
Get helpHow much do I need?
There is no one-size-fits-all answer. The amount of insurance you will need is a highly personal decision. A life insurance agent will look at your assets, debts, personal situation, financial goals and your family's needs so they can make recommendations tailored to you. Remember, your needs might change throughout your life, so it's a good idea to review your policy at milestone events such as getting married or having a baby.
Get helpWhy do people get life insurance?
Life insurance is a way to make sure that your family and dependants don't suffer financially when you die. Life insurance can be used to pay for a funeral, pay off debts (including your mortgage), pay for your children's education and help your family maintain their standard of living when they no longer have you to support them.
Get helpFind out what you qualify for.
Thirty seconds, no obligation, no exam required for most plans.