Corporate-Owned Life Insurance

If you’re a business owner looking for life insurance, you may have stumbled upon ads for affordable corporate-owned life insurance, also known as key person insurance. Corporate-owned life insurance is purchased by a company that wishes to insure a high-ranking employee like an executive or a manager. An individual cannot buy corporate-owned life insurance. That... Continue Reading

Infinite Banking Life Insurance

The concept of infinite banking life insurance is rising in popularity. If you’re curious about this concept and want to know if you can secure affordable life insurance with infinite banking life insurance, you should start with the basics. If you’re excited to get started with infinite banking life insurance, life insurance quotes are just... Continue Reading

Indexed Universal Life (IUL) Insurance

Did you know indexed universal life insurance provides an opportunity to invest in the stock market? Although indexed universal life (IUL) insurance quotes produce more expensive life insurance rates, you’ll have an opportunity to accumulate money over time. But how does indexed universal life (IUL) insurance work? Don’t worry – we’re here to show you... Continue Reading

Supplemental Life Insurance

You just bought life insurance, but you realized you might need more coverage. The next step would be to buy supplemental life insurance. But what if you have voluntary life insurance through an employer? Is affordable supplemental life insurance available from private supplemental life insurance companies? Read through this article to learn more about supplemental... Continue Reading

Renewable Term Life Insurance

Did you know some life insurance companies won’t allow you to renew your standard term life insurance policy? But you can restart your term life policy with renewable term life insurance. But what is renewable term life insurance? Read through this article to get answers to frequently asked questions regarding term life insurance. If you’re... Continue Reading

Minor Beneficiary Life Insurance

Do you want to get life insurance for a minor beneficiary? When you add a minor as a beneficiary, you’re ensuring some level of financial security for your child. But how much do minor beneficiary life insurance rates cost? Keep reading to learn how much minor beneficiary life insurance costs, what kind of coverage it... Continue Reading

Extended Term Life Insurance

Did you know extended term life insurance is connected to the nonforfeiture clause? When you can’t make your life insurance payments, your life insurance company presents a few options. One of those options includes an extended term life insurance (ETI) policy. What is ETI coverage on life insurance? Keep reading our guide to learn everything... Continue Reading

Return of Premium Rider for Life Insurance

Did you know a return of premium rider for life insurance refunds all of the monthly payments you make to a term life insurance policy? Term life insurance with a return of premium rider can feel like a whole life insurance policy but with fewer benefits. But how does a return of premium rider work?... Continue Reading

Guaranteed Insurability Rider for Life Insurance

Did you know life insurance companies ask for a second medical exam when you want to increase your life insurance policy limits? What if you could block a second medical exam? You can when you buy guaranteed insurability rider life insurance. Keep reading to find life insurance companies with guaranteed insurability riders and how much... Continue Reading

Accidental Death Benefit Rider for Life Insurance

Did you know you can add accidental death benefits to your life insurance policy? Life insurance companies with an accidental death benefit rider provide more coverage if a policyholder dies in an accident. But what’s considered an accidental death by life insurance companies? Read through this guide to learn more about how life insurance works... 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.