Life Insurance Quotes

Get Multiple Life Insurance Quotes in Just Minutes!

Life Insurance Quotes. Does the process of buying life insurance seem complicated and time consuming? When you’re ready to obtain online life insurance rates, simply complete and submit our 5-minute questionnaire. And once you get matching quotes, we can help you choose the coverage and policy you need, at a price that works for your budget.


If the topic of life insurance makes you uncomfortable, you’re not alone. Thinking about our own passing or the passing of someone we love is always painful. Even so, if you have a spouse or children who depend on your income, you want to know they will be okay after you’re gone.

Depending on your circumstances, the proceeds from your life insurance policy can:

* replace lost income
* cover burial and estate expenses.
* pay off debt such as mortgage, car loans, home equity loans, college costs, medical care, and other types of debt

Life Insurance options

Understanding the types of life insurance available and then determining what is best for you can be overwhelming. Listed below are the types of life insurance. This will give you a head start when speaking with insurance agents on your life insurance options:
Term Life Insurance

Term life insurance is a commonly understood policy. You select the number of years you would like to be protected for. You pay either a monthly quarterly or annual amount. If you are still alive beyond the number of years the policy to run, the policy expires. A term life insurance policy has no cash value. Rather, it is in place to pay only if you die within this time frame. Term life insurance is very popular as it is usually inexpensive and can be set-up quickly and easily.
Whole Life Insurance

The benefit of a Whole Life Insurance policy is that while protecting your family in the event of your death, you are simultaneously building a cash value account. Under this type of policy, the insurance company exclusively manages the cash value account of your policy. By building a cash value to this account, you have the option to receive dividends or reinvest this money to reduce the costs of your premiums. You can also withdraw money from this policy.
Variable Life Insurance

There are unique components in selecting a Variable Life Insurance policy. This type of policy offers permanent coverage and account flexibility for someone who is a higher risk taker pertaining to their finances. The benefit paid when you die is not a set amount. The death benefit would vary depending on how well the money increased in value based upon the investments made. It is important to remember that you can borrow money from this policy during your lifetime.
Universal Life Insurance

Universal life insurance provides guaranteed protection for your dependents and financial flexibility. It offers separate accounts for you to invest in such as money market, stock, and bond funds. In addition, you are allowed to either borrow or make withdrawals from the account. Keep in mind that if you end the policy during the early years, the cash value will be less when time to receive funds.
How to Shop Smart for Life Insurance Quotes

With so many kinds of life insurance available-and considering the fact that term life insurance rates can vary as much as 50% among carriers-it pays to do your homework when shopping for term life insurance quotes. Here are some things to keep in mind as you search for the best plan and most competitive term life insurance rates:

* Determine your particular needs. If your children left the house or your spouse works or has additional income, and if you don’t have much debt, your insurance needs will be less than other people having more responsibilities or carrying a heavy debt load.
* Learn about the types of insurance available. A cash-value policy may provide an investment component or allow you to borrow against its value. Cash-value insurance is more expensive and simply provides a payout to your survivors at the time of your death.
* Ask about the issuing life insurance company’s financial strength and its track record for processing and paying claims.
* Lifestyle choices, such as smoking and drinking, can result in higher premiums. Your age and your health history are also a factor in term life insurance rates and premium costs.
* If you can afford to, save money by paying the premium on your policy for an entire year. Monthly or quarterly payments usually carry a surcharge of around 5% or more.

Finding online life insurance quotes is a lot easier than you think. We make it simple for you to obtain free insurance estimates anytime, from the comfort and privacy of your own home. Don’t procrastinate making this important decision. Get term life insurance quotes.