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Dependants, debt, continuity

Life insurance

Life insurance is a transfer of financial risk to the people who depend on you. The structural choice, term or permanent, matters more than most of the marketing around it.

Choose a state

Generally covers

  • 01A death benefit paid to named beneficiaries
  • 02In permanent policies, a cash value component that accumulates

Worth asking

  • ?Term length against the years your dependants actually need cover
  • ?How underwriting treats health history
  • ?Whether an employer policy is portable when you leave
  • ?Who is named as beneficiary, and when it was last reviewed

Providers

Life providers

Carriers, agencies, brokers and marketplaces. Ordering reflects our listing priority, which compensated partners can influence — it is not a ranking of quality.

All providers

Listings are not an independent ranking. Providers marked Partner compensate OpenBrooks, which can affect whether and where they appear. Providers marked Example listing are demonstration records used while the platform is being built — they are not real businesses.

By state

Life insurance, state by state

What is available, and who is licensed to sell it, changes at every state line. 51 jurisdictions.

Northeast

Southeast

Midwest

Southwest

West

Coverage finder

Four questions, then the shortlist

Free, no account, and your answers stay in your browser — there is no name, email or phone field on this form.

What are you looking to insure?

Something else? See all coverage types.

Questions

Life, in short

Does OpenBrooks sell life insurance?
No. OpenBrooks is a discovery platform, not a carrier, agency or broker. We show you providers and you deal with them directly.
Is life coverage the same in every state?
No. Policy forms, required coverages and consumer protections are set at state level, so both the contract and the market differ from state to state. Open your state page for what applies where you are.
What should I compare?
Term length against the years your dependants actually need cover; How underwriting treats health history; Whether an employer policy is portable when you leave; Who is named as beneficiary, and when it was last reviewed.