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Life Insurance

What is Life Insurance?

Everyone deserves a secure financial future — and that's why life insurance is so important. Whether you're just starting out or you're getting ready to retire, a life insurance policy can help you give your family financial peace of mind if you are no longer there to provide for them.

What Are the Different Types of Life Insurance?

Whether you'd like to help your family maintain its current lifestyle, pay college costs or leave a legacy for future generations, Allstate has options to fit your needs and budget.

  • Term Life

  • Term Life

  • Low cost
  • Sample Rate
  • $15.09

    per month
    $250,000 of Protective® Classic Choice Term for 20 years. Rate shown is not available in New York.1
  • Quote now

  • Term Life 101
  • Coverage Length
  • 10-40 Years
  • Builds Cash Value3
  • No

Which Life Insurance Policy is Right For Me?

Logo of Life Trek.

To find the policy that is right for you, answer a few quick questions in the LifeTrek tool.

Get Started

How Much Life Insurance Do I Need?

You can calculate roughly how much life insurance you may need by entering your annual income and the number of years your family would need to replace it. For a more detailed estimate, try our coverage calculator.


Total you may need: $500,000

Or for a permanent life insurance quote, call 800-497-7970

How do I apply for life insurance?

Once you've chosen the type and amount of life insurance that works for you, you'll need to take a few more steps to obtain your life insurance policy. Here's what to expect:

Step one  icon

Complete an application

Your health and lifestyle will be used to confirm your cost. The better your results, the better your price.

Step two  icon

Take a free medical exam

Depending on the type of policy you applied for, you may need to take an easy, confidential medical exam.

Step three  icon

Sign and review your policy

We'll finalize your plan based on your application and health exam (if applicable).

Why Do I Need Life Insurance?

A lot can happen throughout your life—and as your world changes, so do your life insurance needs.

Related resources

Policy issuance is subject to availability and qualifications. These policies have exclusions, limitations, and terms that may affect coverage, renewal, cancellation, termination, or other contractual rights and benefits. Rates quoted are subject to change and are set at the company's sole discretion. Terms and limitations apply. See individual product riders for terms, conditions and restrictions. For costs and complete details of coverage, call an Allstate agency.

This life insurance information is provided for general consumer educational purposes and is not intended to provide legal, tax or investment advice. Allstate life insurance issued by Allstate Life Ins. Co. & Allstate Assurance Co., 3075 Sanders Rd, Northbrook IL 60062; American Heritage Life Ins. Co., 1776 American Heritage Life Dr., Jacksonville FL 32224. In New York, life insurance issued through Allstate Life Insurance Company of New York, Hauppauge NY. Life insurance also offered and issued by third party companies not affiliated with Allstate. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website (

ECC Monitor: OK