Compare Life Insurance Rates Online - Life Insurance Quote

COVERAGE THAT GIVES YOU MORE ~
TERM LIFE INSURANCE

You can only get life insurance BEFORE you need it.
Make today the day! We can help.

Term life insurance works for most people, the years when the need for life insurance is at its peak and the budget is tight. Term life insurance provides a very affordable way of obtaining the life insurance needed.

For others, Permanent life insurance that builds cash value, is a better financial strategy. Whether its, basic whole life insurance or IUL with Long Term Care provisions, our Quote & Apply platform lets you get covered in minutes.

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FAMILY PROTECTION

IS YOUR FAMILY PROTECTED IF THE WAGE EARNER DIED?
One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes. Over 1/3 of all US households would feel an adverse financial impact within 30 days if a primary wage-earner died.

Use our valuable life insurance calculator to evaluate if you have enough coverage.

LIFE EVENTS

HAVE YOU EXPERIENCED A RECENT LIFE EVENT?
Life Events such as, Marriage, Baby, Home Purchase, Job Change, Retirement, and Your Small Business Has Grown, could trigger the need for life insurance or trigger the need for more life insurance.

Term life insurance can be a good fit for young families on a budget looking for coverage for a set amount of time. Term life insurance rates are more affordable than whole life insurance because it offers protection for a predetermined time. If, for example, you want a policy that would cover your mortgage, a 30-year policy might be a good match. As these needs disappear over time, so might your need for a term policy. Compare life insurance rates online to protect your family now.

MORTGAGE PROTECTION

For example, if you were to take out a $1 million term life insurance return of premium policy (ROP) and paid $10,000 annually for 30 years. At the end of that time you will be refunded $300,000. There are policies that also add in interest as well. For many, a return of premium policy represents an enormous benefit that can be used to invest in retirement, child college fund or other needs that can be fulfilled by this particular type of policy.

DID YOU JUST PURCHASE A NEW HOME?
Purchasing a new home is usually the single largest purchase most families make in their lifetimes. Term Life Insurance provides for affordable coverage.

Return of Premium (ROP) is another term life insurance policy option that after a pre-set period of time, which is usually 20 or 30 years, you can end the policy and get back all of your premium payments. This ensures that if you outlive the term of the policy itself, all the money that was invested will be returned to you. This will provide much needed peace of mind that you do not have to start all over again with another term policy because you can use what has been built up over the years as a nest egg.

DO YOU HAVE ENOUGH LIFE INSURANCE PROTECTION FOR YOUR BUSINESS?

HAVE YOU EXPERIENCED A RECENT LIFE EVENT?
Life insurance can also protect your business. If you, one of your fellow partners or a key employee died tomorrow, life insurance can help. An Indexed Universal Life Insurance (IUL) policy can be structured to fund a buy-sell agreement ensuring that the remaining business owners have the funds to buy the ownership interests of a deceased partner at a previously agreed upon price. The owners get the business and the family gets the money. To protect a business in case of the death of a key employee that could severely impact a company, key person insurance, payable to the company, can provide the owners with the financial flexibility needed to weather the storm.