A.M. Best Ratings Explained

The A.M. Best Company is one of the leading insurance and financial company ratings firms. The company uses a standard grading scale to provide consumers with information about the stability and long term financial outlook of financial companies. At a glance, someone who is comparing prices of different insurance companies can know whether they are dealing with a company that is in dire straits, is making a comeback from a financial blow,… Continue Reading

AARP Insurance Discounts for Seniors

There are quite a few advantages for seniors who belong to the American Association of Retired Persons, or AARP. Among those advantages are things such as guaranteed acceptance life and health insurance, discounts on many different lines of coverage, and the availability of group insurance through membership in AARP. Continue Reading

Buying Insurance from Independent Insurance Brokers vs. Direct Writers

No matter what type of insurance you need, navigating the available choices can seem like a big hassle. Perhaps the first decision you'll need to make is whether to use an independent insurance broker or a direct writer. What's the difference? Simply put, independent brokers and agents will work for you and connect you to insurance products from a wide range of companies. Direct writers work for one company, usually one of… Continue Reading

Buying Insurance From Wholesale Clubs: How to Save

Insurance provides peace of mind by knowing that when a disaster or illness strikes - you're covered. Peace of mind can be expensive though, especially if you live on a fixed or low income or have dependents to cover. Fortunately, with the help of mass retailers, there's a cheaper way to buy insurance plans from trusted providers. Continue Reading

Equity Indexed Universal Life Insurance

There are many different types of life insurance, which can make deciding which type to buy difficult. Depending on your role as a provider, you may want to purchase a life insurance policy that can protect your family after your death and while you are living. Some types of life insurance, including equity indexed universal... Continue Reading

Survivorship Variable Universal Life Insurance

Survivorship variable universal life insurance is a type of permanent life insurance that offers coverage for two people during the length of the policy. Is survivorship variable universal life insurance the right fit for me? Is variable universal life insurance worth it? Keep reading to find out everything you should know about survivorship variable universal... Continue Reading

Can you buy life insurance on someone else?

Can you buy life insurance on someone else? Specifically, can you buy life insurance on your parents or anyone else you know? The short answer is yes. However, you will need to prove an “insurable interest” during the underwriting process. There are legitimate reasons why you may want to buy a life insurance policy on... Continue Reading

Increasing Term Life Insurance

Worried your suggested death benefit won’t be enough? The future can be uncertain, and an unexpected death can throw even stable lives into a hard place. That being said, there are ways to mitigate this. Increased term life insurance was created to give the insured extra help. With an increased term life insurance policy, the... Continue Reading

Term Conversion Rider for Life Insurance

Life insurance can be a complicated topic. What’s the right type of policy to get? Can I add on things later if my needs change? What if I start a family, should I change my type of life insurance then? All of these questions and more can come up. If you’re looking to buy term... Continue Reading

Family Life Insurance

Family life insurance plays an important part in keeping your family financially stable after your death. So what exactly is a family life insurance policy? And when it comes to term vs. whole life insurance, which is better for couples to buy? Read through our comprehensive article for all the information you need on finding... 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.