Getting Life Insurance Is Easier Than You Think
If you have loved ones that depend on you, you need life insurance. From choosing between whole and term life insurance to picking the right policy, we’re here to help you every step of the way. The best way to save on life insurance is to compare all of your options. Request quotes from over 30 companies, view all your options in one place and apply for the policy that works best for you and your loved ones
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Whether you’re a parent, a homeowner, or you’re starting the business of your dreams, it’s important to make sure your assets are protected – today and for years to come. Once you’ve found the right quote and policy, you can start your application right away.
What is life insurance?
Life insurance provides a payout after your death to the people you designate as beneficiaries. It’s an important safety net if anyone depends on you financially. The life insurance payout can pay debts such as a mortgage, replace your income, etc.
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Who Needs Life Insurance?
Life insurance is for anyone who has loved ones who depend on them financially. This includes working or stay-at-home parents, homeowners who have a mortgage, business owners, and others. life insurance proceeds can:
- Pay for funeral costs
- Help pay the bills and meet ongoing living expenses
- Pay off outstanding debt, including credit cards and the mortgage
- Continue a family business
- Finance future needs like your children’s education
- Protect a spouse’s retirement plans
What’s the difference between whole and term life insurance?
Term insurance covers you for a set amount of time and is sufficient for most people. Among the various types of life insurance available, term life insurance quotes are the most affordable. Whole life insurance pays out no matter when you die and builds cash value that you can access.
How Are Life Insurance Quotes Calculated?
Life insurance companies use life expectancy as the basis for determining rates. Anything that could shorten your life expectancy will typically lead to a higher price. Your age, gender, health conditions and family’s health history are all taken into consideration.
Can I get life insurance if I have a medical condition?
Don’t let a health condition stop you from getting life insurance quotes. 80% of people overestimate the cost of term life insurance. Life insurance is widely available to people with medical conditions.
What information is required when applying for term life insurance?
You’re typically asked about your current and past health conditions, and your family health history. The insurer may ask for your consent to get your medical records and may ask you to take a life insurance medical exam. Insurers will also check other data sources to determine term life insurance quotes.
If you are covered under a group life insurance policy through your employer, do you still need a personal policy?
It is generally a good idea to have your own life insurance policy outside the coverage provided by your employer. The policy through your employer is likely not enough and typically ends if you leave the job.
