life insurance quotes

Get Multiple Life Insurance Quotes in Just Minutes!

If the process of buying life insurance seems somewhat overwhelming, you can rest easy. InsuranceQuotes.com offers plenty of resources to take the mystery out of shopping for life insurance quotes online. Check out our library of informative articles to empower yourself with knowledge. Learn about the pros and cons of each type of life insurance and their differences.

When you’re ready to obtain life insurance quotes, simply complete and submit our simple, 6-minute questionnaire online. Since InsuranceQuotes.com has partnerships with over 100 of the nation’s top insurance providers, it’s easy to find the best value for your premium dollars. And once you get your free life insurance quotes, we can help you choose the coverage and policy you need, at a price that works for your budget.

So why wait? Join the millions who have saved up to 20% on their insurance premiums by shopping online. Collect and compare life insurance quotes from InsuranceQuotes.com today, and see how much you can save on life insurance!

Why Do You Need Life Insurance?

If the topic of life insurance makes you uncomfortable, you’re not alone. Although death is a certainty, thinking about our own passing or the passing of someone we love is always painful. Even so, if you have a spouse or children who depend on your income, you want the peace of mind that comes with knowing they will be okay after you’re gone.

The reasons for buying life insurance are as varied as the types of policies available, but they all boil down to one main purpose: financial protection for your family. Depending on your circumstances, the proceeds from your life insurance policy can:

• replace lost income;
• pay off debts; and/or
• cover burial and estate expenses.

While only time can heal the grief that comes with the death of a loved one, life insurance provides one way for you to make sure your family’s needs are met should the unthinkable happen.

How to Shop Smart for Life Insurance Quotes

With so many kinds of life insurance available—and considering the fact that rates can vary as much as 50% among carriers—it pays to do your homework when shopping for a policy. Here are some things to keep in mind as you search for the best plan and most competitive rates:

• Determine your family’s needs. If your children have left the nest or your spouse has a career or other income, and if you are relatively debt-free, your insurance needs will be less than if you have a large family and a stay-at-home spouse or carry a heavy debt load.
• Learn about the types of insurance available. A cash-value policy may provide an investment component or allow you to borrow against its value. Cash-value insurance is more complex and more expensive than a term life policy, which simply provides a payout to your survivors at the time of your death.
• Ask about the issuing life insurance company’s financial strength and its track record for processing and paying claims.
• Lifestyle choices, such as smoking and drinking, can result in higher premiums. Your age and your health history are also a factor in premium costs.
• If you can afford to, save money by paying the premium on your policy for an entire year. Monthly or quarterly payments usually carry a surcharge of around 5% or more.