Life Insurance

Life Insurance Articles

Insurance companies come in many shapes and sizes. When shopping for insurance, you should know that a company that is good for one person might not be good for another.

Not all insurance policies, even ones of the same general type and description, are the same. Because of that, anytime you want to purchase an insurance policy you should compare insurance companies and policies before buying.

Free Insurance Quotes Online

Being properly insured is an important part of your family's financial stability.

Getting online insurance quotes is easier than you might think. In addition, because you have the convenience of getting the quotes at your leisure, you can shop when the mood strikes, whether you need auto insurance in the middle of the night or home insurance policy on a holiday.

Cheap Insurance Quotes Online

Finding the best rates on any type of insurance comes down to ensuring you have the right coverage and comparing quotes on a regular basis.

Whole Life Insurance Basics
Whole life insurance is exactly that, life insurance that is in effect until the end of your life, or until you cancel it, default on payment or have your policy canceled for another reason. If you meet all of the policy requirements, then whole life insurance is guaranteed to payout upon the policyholder's passing away. Most people consider it to be secure money in the bank.

Pages

Whole Life Insurance Quote

There are several types of life insurance policies available to those looking to look after their family in the event of their death. The main benefit of a whole life policy is that the payout is guaranteed. Whole life insurance quotes are usually higher than those for a term policy, but comes with several benefits such as the fact that you will be guaranteed a payment, it relieves any worry of not being insurable as you age, you can borrow against the policy and if you cancel your whole life policy, you are entitled to be paid the cash value of that policy and it can be useful in estate planning.

Whole life insurance coverage can be utilized as an investment vehicle since future value is guaranteed and a portion of your premiums get placed into an tax-deferred cash value account. Before purchasing a policy, you should consult with a financial advisor to better understand the costs and benefits of whole life insurance.

To learn more about whole life policies and to receive a free whole life insurance quote, complete a quote request form and you'll be matched with knowledgeable life insurance agents that can help answer any questions you may have.

Term Life Insurance Quotes

Term life insurance, as opposed to whole life, insures you for a finite period of time. This insurance, sometimes referred to as "temporary" insurance, is typically sold to portect you for 10, 15, 20 or 30 years with 20 years being the most common. Generally, term life insurance provides the best bang for the buck protection compared to other types of policies and makes the most sense if you're looking to ensure your family is protected in the event of your death. Unlike whole life insurance, a term policy does not accumulate any sort of cash value and any premiums paid are strictly used for the cost related to the coverage.

Determining the amount of life insurance you should purchase is an inexact science. However, using a life insurance calculator or simply multiplying your yearly income are two ways of getting a quick idea. The best method is to speak with an experienced life insurance professional who can help you determine how much life insurance is right for you to meet any financial obligations you or your loved ones may have if you die unexpectedly.

Whether you're looking for whole life insurance quotes or term life insurance quotes, be sure to research all of your options. Compare life insurance quotes from several agents and ensure that your select a company that gives you low rates but also has the financial stability to pay for the policy when it comes time to collect. Getting free life insurance quotes from US Insurance Agents is the first step in protecting your loved ones. Complete a quote request and get in touch with an agent today.