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Life insurance

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Life Insurance - Protection for your loved ones

Life Insurance is what gives you peace of mind and your family security and financial stability in the event something unexpected happens. Your life insurance policy helps to provide for the needs of your loved ones in the times when they need it the most.

Shopping for a life insurance policy can get complicated sometimes. With so many issuers and so many plans available, it can get overwhelming at times. At we tried to make this process as simple and convenient as possible. On our site you can get several quotes at the same time and compare rates offered by the leading companies. Wide choice, top issuers, free instant quotes and easy navigation are what we offer our customers. Shop for life insurance, compare quotes, and choose your best rate on life insurance!

Choosing Life Insurance

Before you start comparing life insurance quotes, you need to understand your needs. Every family has unique needs, and insurance companies offer various kinds of policies. Before you choose your best affordable life insurance plan, estimate the amount of coverage you will need and how much you can afford to pay and be able to cover all the other expenses of your family.

Shop around to get the best life insurance quotes. Get quotes from leading American life insurance companies. You can get free quotes instantly and easily compare rates to choose the plan with the best prices.

Choose the right type of life insurance policy - select term, whole, universal or variable life insurance. Make sure you understand all the terms of your contract before you sign it.

Check out the company, it is as important as choosing the right life insurance plan. Buy your policy from a company that has been in this business for at least several years and has a good record.

Life Insurance Types

The two major and principal types of life insurance are term life insurance and permanent life insurance.

Term life insurance can be purchased for the period of 10, 15, 25 or 30 years. It is the easiest and most affordable form of life insurance. Unlike permanent policies, term insurance plans have no "cash value" or investment component add-ons. They can be extended or renewed. Often you can renew your coverage without a medical exam, though higher premiums will usually apply. You can get quotes for the following types of term life insurance - no medical exam (the quickest and easiest form, requires no paramedical exam), mortgage (benefit equals the outstanding balance of a home mortgage), return of premium (a.k.a. ROP - you get your premiums back at the end of the term), smokers, high risk.

Permanent life insurance includes such types of life insurance as whole life and universal. Permanent life insurance lasts for the entire life of the policy holder as long as premiums are paid. There is also a savings element added, which allows money to build up. Universal life insurance and whole life insurance are similar, they both have "cash value" and a part of your premium in invested into a tax-deferred annuity. For Whole Life policies it is a savings account with a known fixed rate and Universal Life has a potential for higher rate of return, interest rates that may vary and as a rule do not drop below 4%.

Choose a type of life insurance that better meets your needs and individual circumstances. Compare free instant quotes on our site. Buy life insurance plan with your best rates.

Term vs. Whole Life Insurance

Term Life Insurance is the choice of many individuals, as it is much more affordable compared to Whole Life insurance policies. This price discrepancy is mainly because of the investment component of Whole Life insurance (a portion of your monthly premium is invested, and builds up equity). Some specialists say Whole Life isn't the best way to save for retirement and it's better to buy Term Life and invest the difference in premiums into a savings plan or a tax-deferred account with higher yields. New type of Term Life insurance called Return of premium has a nice additional feature - at the end of the policy term you get back the whole amount of premiums you paid over the years. Return of the premium plans cost more than the standard ones, but feel more rewarding, since you receive something back at the end of the term. Though Term Life is more popular and more affordable, a Whole Life policy might be a better option for some people. Decide what is best for you and start life insurance quote comparison. Choose the best rate for you!

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