Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Oct 24, 2021

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Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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The Facts of Life

  • Most life insurance companies allow you to pay online with automatic payments
  • If you pay your bill online with a credit card, you may be charged a convenience fee
  • Some life insurance companies can help if you are unable to pay your bill

The best life insurance companies give customers a variety of ways to pay their bills. The payment options will vary by company and type of policy.

Life insurance companies that allow you to pay your bill online include some of the top companies and make paying your life insurance bill very convenient.

Shop around for the most affordable life insurance companies that allow you to pay your bill online. Every company will charge different rates for coverage so compare multiple companies for the best deal.

Enter your ZIP code now to compare free quotes from life insurance companies that allow you to pay your bill online near you.

What life insurance companies allow you to pay your bill online?

These days it’s very convenient to handle everything online including paying bills.

While many insurance companies allow you to pay your bill online, each company will decide if you can use a credit card or your banking information.

Some life insurance companies may require you to set up automatic online payments to pay online.

Some examples of payment requirements from life insurance companies include:

  • Only some Nationwide life insurance policies may be paid online. Otherwise, your bill must be paid by phone, mail, or automatic payment.
  • Life insurance customers with Allstate can pay bills by mail or with automatic payments from their bank account.
  • Farmers and John Hancock don’t allow life insurance customers to pay online at all unless automatic payments are set up.
  • State Farm will allow a one-time online payment only.

The good news is that life insurance rates don’t change based on the way you pay your bill. This table shows you average life insurance rates for non-smokers from top companies.

Average Life Insurance Rates from Top Companies
Insurance CompanyAverage rates single 25-year-old femaleAverage rates single 25-year-old maleAverage rates married 35-year-old femaleAverage rates married 35-year-old maleAverage rates married 45-year-old femaleAverage rates married 45-year-old maleAverage rates married 55-year-old femaleAverage rates married 55-year-old maleAverage rates married 65-year-old femaleAverage rates married 65-year-old male
John Hancock$172.50$178.30$178.30$189.80$241.50$292.10$407.10$533.60$937.30$1,380.00
Lincoln National$187.00$231.00$191.00$238.00$239.00$283.00$435.00$615.00$903.00$1,577.00
MassMutual.$132.00$147.00$137.00$151.00$209.00$230.00$373.00$451.00$763.00$1,049.00
New York Life$158$152$164$160$262$245$414$696$924$1,416
Prudential Financial$195.00$237.00$196.00$248.00$314.00$378.00$496.00$584.00$941.00$1,412.00
State Farm$143.00$164.00$166.00$175.00$238.00$239.00$341.00$396.00$684.00$955.00
Transamerica$164.00$176.00$161.00$171.00$229.00$255.00$453.00$527.00$1,139.00$1,367.00
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Although your rates won’t go up for paying online, you may be charged a convenience fee if you use a credit card.

Paying your life insurance with a credit card can also lower your credit score. According to Debt.org, the amount of debt you have and how much of that is on a credit card can greatly impact your credit score.

What are other ways to pay your life insurance bill?

Depending on your life insurance company, you may only be allowed to make payments in certain ways.

Common ways to pay your life insurance bill include:

  • Mail a personal check, money order, or cashier’s check
  • Set up automatic payments using your credit card or bank information
  • Pay using the company app
  • Call customer service to make a payment

You can usually call your insurance company to make a payment if they don’t accept online payments.

For example, you can call the AAA life insurance phone number at (888) 422-7020 to make a payment.

No matter what method you choose, make sure you pay your life insurance bills on time. Automatic payments or paying in full will make sure you always meet your due dates.

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What happens if you are unable to pay your life insurance bill?

Whether you lose your job or just face some life challenges, sometimes it can be hard to pay all of your bills. Life insurance may be the last on your list to be paid.

However, skipping a payment can have severe consequences. Remember, your life insurance is meant to provide financial help to your family if the worst should happen.

Not making your life insurance payments can mean that you lose that peace of mind and your coverage can be canceled.

If you think you are not going to be able to make your life insurance payments, reach out to your company. They may be able to help you by waiving late fees, offer a grace period, and create a flexible payment plan.

Many insurance companies are offering to help customers as much as possible, especially during the COVID-19 pandemic.

Allstate, Farmers, GEICO, and MetLife are just a few companies that are willing to work with customers on their insurance payments.

You can also change the type of life insurance policy you have or lower your coverage amount to save money.

For example, term life insurance is the cheapest option for coverage. On the other hand, if you have a whole life insurance policy, you may be able to use the cash value to pay your bill.

Life Insurance Companies that Allow You to Pay Your Bill Online: The Bottom Line

It’s rare to come across life insurance companies that don’t allow you to pay your bill online. Most insurance companies offer multiple ways to pay your bill.

While there are advantages to paying your bill online, you may be charged extra fees for using a credit card. Paying your life insurance bill with a credit card might also lower your credit score.

Shop around to find the cheapest companies that let you pay your life insurance bill online. Compare multiple companies to find the best coverage with the lowest rates.

Enter your ZIP code to compare rates from life insurance companies that allow you to pay your bill online for free in your area.