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There are only two things in life that are guaranteed: death and taxes. Your tax bill will come and go as the years roll on, but death will loom larger and larger in the horizon. How are you going to prepare your family for that moment, especially if it happens unexpectedly before you reach retirement age?

We are all busy with family and work, so it might feel as if you don’t have time to ponder the mysteries of life after death. But being busy is no excuse for not planning properly. You need to lay out how you’ll take care of your family’s financial life after your death. This is where life insurance comes into play.

I spent some time trying to find the easiest, most expedient places to get a competitive life insurance quote. My focus was on quote aggregators, or websites that find the most competitive quotes from multiple sources. This was a time saving effort — why go to individual insurance providers to enter my data time and time again?

Learn More: When Should Millennials Start Looking at Life Insurance?

Here’s what I found, and how you can research your own best life insurance plans. This will make it easier to both find and purchase. Let’s get started.

Rules of the Game
For this fact-finding mission, I laid some ground rules to help narrow down the choices of where I will shop for life insurance.

Rule 1: I should be able to get a quote before having to talk to a human.
Rule 2: I want to provide only a minimal amount of contact information to get a quote.
Rule 3: It should take me no more than 3 minutes to receive a quote.
If these three rules are satisfied, then I will accept having to make a phone call to complete the application process. That seems like a reasonable demand.

Following the rules, I scoured the interwebs to see who fit the bill. I did not visit individual brokers like State Farm, MetLife, or John Hancock. However, I did discover quote-finding websites that didn’t follow these rules. So, what do we do with rule breakers? Exclude them from the prize category at the end of this article.

What Kind of Data Do They Need?
All online life insurance forms wanted to know a little about me before giving out a quote for a term life insurance plan. Insurers will look at demographic data, then put me in an underwriting class. This is a fancy way of assigning a probability as to how likely I am to die during the coverage period of my insurance.

Insurers also want to know about my health history. Major health problems will increase premiums, and a history of no health problems will decrease premiums.

Finally, insurers need to know if I have habits and hobbies that are more likely to cause my untimely death. You know, things like skydiving and scuba diving with Great White Sharks (with or without a shark cage, it doesn’t matter). Each website I visited wanted a different amount of data. I strongly favored those companies that needed less info at the beginning of the quote process, because I want to quickly narrow my choices of top competing bids.

Resource: How to Ensure That Your Life Insurance Proceeds are Tax-Free

Here are examples of the three areas in which insurers collect data:

Demographics – Height, Weight, Birthdate, Coverage Amount, Term Length
General Health History – Questions like this:
Life Habits – Check the box if you live on the wild side.

Baseline Assumptions
For my research model, I’m going to play the role of a 40-year-old male with no major-medical history. No DUI’s, no traffic tickets in the last 5 years, and no dangerous activities… all things actuaries are looking to put in their magical calculations to guess how soon I’ll die. Hypothetical Me will live somewhere in the United States and want $1 million in 10-year, term life coverage.