The quickest and easiest way to find out which life insurance carrier offers you the cheapest rates is to request and compare instant life insurance quotes on a life insurance website that offers "free life insurance quotes". These quote comparisons will bring up the cheapest life insurance rates for your particular age and gender.

Some life insurance quote sites will even allow you to input some health and other risk factors to find out how different health issues may impact your rate for life insurance coverage.

Every life insurance company has their own niche that the may specialize in, or offer better rates for a certain class of risk, such as, seniors, diabetics, or smokers, to name a few classes or risk for life insurance. 

Here's how you can compare the cheapest life insurance quotes online.