Get An Insurance Quote
Life Insurance Quotes
Protect Your Family: Get Multiple Life Insurance Quotes Today
You know you want your family taken care of, and you know life insurance is the best way to do that. But how do make sure your family has what it needs in the future without paying too much today? InsuranceQuotes.com cuts through the clutter and offers you information without a pushy sales pitch. Get life insurance quotes from multiple agencies using InsuranceQuotes.com, and find the perfect life insurance policy.
InsuranceQuotes.com uses a simple five-minute questionnaire that helps highlight and clarify your family’s life insurance needs. Because InsuranceQuotes.com works with hundreds of the nation’s top insurance providers, it is easy for us to guide you to a variety of policy options that meet your criteria – and your price point. We are the best source for online life insurance rates.
By shopping online at InsuranceQuotes.com, you will join the thousands of people that have saved money on their insurance premiums – 10%, 15%, 20% and more! Use our simple system to review life insurance quotes today.
Benefits of Life Insurance
No one wants to consider needing life insurance. In a perfect world, on of us would ever have to. However, if you have a family that depends on you or your spouse, the best way to help them cope with the worst is the have a solid life insurance policy that will keep them from struggling financially after a tragic loss.
Life insurance offers financial security in the worst of times. It can help replace lost income, help provide burial and estate expenses, and pay off debt such as a mortgage, car loans, other outstanding loans, medical expenses, college, and any other sort of financial need.
What Are The Different Life Insurance Policies?
In order to arm you with the facts, InsuranceQuotes.com offers you these simple definitions of the most common policies.
Term Life Insurance
This is the most commonly known form of life insurance. Term Life Insurance covers you for a specific period of years, usually with a monthly, bi-annually, or annual premium. If you are still alive beyond the term of the policy, it simply expires. This is a simple policy to set up, usually is inexpensive, and is very popular. It also has no cash value.
Whole Life Insurance
This policy has multiple benefits: besides offering security to your family, it also builds a cash value account. The insurance company manages this account for you, and you can choose either receive dividends, reinvest the money to reduce the costs of your premiums, or if needed withdraw money from the account.
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
This type of life insurance policy is the most expensive, but also offers the greatest security and the most financial flexibility. You are able to manage your account however you choose, whether by money market, stock, or bond funds. You can withdraw funds at any time (although there is a penalty for canceling the account altogether).
What Is The Best Way To Shop For Life Insurance?
With such a wide variety of life insurance policies to choose from, how do you make the best choice for you? Obviously, you have made a smart choice and are starting here at InsuranceQuotes.com, but there are many things you need to know before choosing your policy, such as term life insurance.
Now you know that once you have determined your needs and taken a look at the various policy options, you have a good idea what you need to know. Also, remember that certain life-style choices, such as smoking or drinking, can raise the cost of your policy and reduce the amount of available coverage.
Best of all, using InsuranceQuotes.com helps you find the best rate, which is important as life insurance quotes can vary substantially – sometimes as much at 50%. Take the time to fill out our online form, and immediately receive a variety of life insurance quotes to choose from! Get started today, and protect your family they way they deserve.