Whole Life Insurance Quotes

Whole life insurance is a type of life insurance policy that remains in effect for as long as you live, provided the premiums are kept up to date. Continue Reading

7 Tips to Save Money on Life Insurance

Saving money on your life insurance can be important, but choosing the cheapest life insurance company is not always the safest plan for your family's future. There are ways that you can reduce the cost of life insurance without sacrificing the coverage you need from a company you can trust. Obviously, taking care of yourself and maintaining your health is a primary concern, but use these 7 tips when you first begin… Continue Reading

Comparing Term & Whole Life Insurance Quotes

Comparing life insurance quotes will help you get the most coverage for your premium dollar. When you start using life insurance quotes, you will quickly understand the truth in the saying that not all policies are created equal. Life insurance is a long term financial contract, and taking the time to compare quotes and policy details will save you money for years to come. Continue Reading

Whole Life Insurance as an Investment – Benefits vs Drawbacks

Whole life insurance is a policy that pays a benefit upon the death of the insured, yet it also accumulates cash value. In other words, it is an insurance contract where you pay very high, yet level, premiums that is considered to be an investment and an insurance policy simultaneously. Though it will pay out a stated amount upon the insured's passing, because of its cash value, it can be withdrawn or… Continue Reading

Comparing the Different Types of Term Life Insurance

There are five primary types of term life insurance, each one with its own advantages or intended uses. Choose the type of policy that best suits your needs. Remember that you can have as many term life insurance policies as you need, so it is not necessary to use the same type of policy for every eventuality you are trying to plan for. Continue Reading

10 Reasons to Choose Term Life Insurance

Term life insurance is the most popular type of life insurance that people choose when buying a life insurance policy. If you still need a bit more convincing as to benefits from term life insurance, take a look at the below list of reasons to choose a term life insurance policy. Continue Reading

Free Insurance Quotes Online

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

Does Your Insurance Agent Have Your Best Interests in Mind?

If you are serious about your insurance needs, you should probably speak with an agent directly over the phone rather than by just looking at your computer screen. But it is important to have an agent who cares about your needs and has the knowledge and resources to get you the policies you should have at a price you can afford. Here are a few tips to help you know whether your… Continue Reading

Borrowing Against Life Insurance – What You Need to Know

There is a way to get access to lending in a few days, usually with low-interest rates and without having to go through credit checks. It is what makes borrowing against life insurance policies attractive to many people. It may be a great option if you need cash fast and without as much paperwork as the banks may put you through, especially if you have a bad credit history. However, it should… Continue Reading

Can I Sell My Client’s Life Insurance?

Yes you can. Your client owns their life insurance just like a house or car. When they struggle with upkeep or don't need or want their policy anymore you can help them sell it to a third party, a transaction known as a life settlement. Selling their policy often is the best option for your client, especially when they face involuntary lapsing. Continue Reading

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.