Veteran-Owned. Minority-Owned. Family-Focused.
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Independent Agency — 130+ Carriers

Your family deserves the best rate from every carrier.

Compare real quotes from 130+ A-rated carriers in 60 seconds. No phone call. No spam. No obligation. Just the best price for your family.

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Veteran Owned BusinessMinority Owned Business
Kerlan Lovell
Licensed Agent · NPN #21266498
130+
A-Rated Carriers
60s
Quote Time
No Exam
Options Available
Veteran
Owned & Operated
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What are you looking for?

Pick your coverage type below. We will route you to the right quoting tool instantly.

Choose a coverage type to see real quotes

Click "Life Insurance" above to compare rates from 130+ carriers instantly. No signup required.

Why VeraLife

Not a carrier. Not a call center. Your advocate.

Truly Independent

We don't work for any carrier. We work for you. Our recommendations come from comparing every option — not pushing one company's product.

0 carrier quotas

Multi-Carrier Comparison

See quotes from 130+ carriers side by side. The same coverage can cost 40% less depending on the carrier. We show you every option.

up to 40% savings

No Pressure. Ever.

No cold calls. No spam. No hard close. Get your quote, compare your options, and decide on your timeline. We're here when you're ready.

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Our Carrier Network

Quotes from carriers you know and trust

We compare rates across every major carrier so you never wonder if you got the best deal.

Prudential
Lincoln Financial
Nationwide
Mutual of Omaha
Protective
North American
Pacific Life
Transamerica
Foresters
SBLI
Banner Life
Principal
Prudential
Lincoln Financial
Nationwide
Mutual of Omaha
Protective
North American
Pacific Life
Transamerica
Foresters
SBLI
Banner Life
Principal
AIG
John Hancock
Securian
National Life Group
Symetra
Global Atlantic
Corebridge
Ameritas
Minnesota Life
Penn Mutual
Sammons
Athene
AIG
John Hancock
Securian
National Life Group
Symetra
Global Atlantic
Corebridge
Ameritas
Minnesota Life
Penn Mutual
Sammons
Athene
130+
Carriers
A/A+
Rated
50
States
FAQ

Common questions

How much does life insurance actually cost?
A healthy 35-year-old non-smoker can typically get $500,000 of 20-year term coverage for $25–40/month. Your rate depends on age, health, coverage amount, and term length. Our quote tool shows you exact rates from 130+ carriers in about 60 seconds.
Do I need a medical exam?
Not necessarily. Many carriers now offer accelerated underwriting with no exam required for healthy applicants seeking up to $1M–$3M in coverage. Our tool highlights which products are no-exam eligible for your profile.
Why compare through VeraLife instead of going direct?
Going direct means you see one carrier’s rates. Going through VeraLife means you see 130+ carriers’ rates at once. The same person can be quoted wildly different premiums by different carriers. We find the best one.
Is my information safe?
Yes. Quotes are processed through BackNine Insurance Services’ secure, SOC 2-compliant platform. We never sell your data. Your information is used solely to generate quotes from carriers.

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VeraLife Insurance Group is an independent insurance agency. Quotes are provided by our partner BackNine Insurance Services and other contracted general agencies. All applications are subject to underwriting. Rates not guaranteed until policy is issued. VeraLife Insurance Group · Albany, NY · Veteran-Owned · Minority-Owned