Instant life insurance quotes for: Term Life and Guaranteed Fixed Premiums for Life
All rates/options are subject to insurability
We offer life insurance companies with a minimum AM Best rating of A to A++
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Term life insurance provides coverage for a set period, typically 10-30 years. If the insured dies during this term, the beneficiaries receive a death benefit. It's affordable, has no cash value, and expires if not renewed at the end of the term.
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Universal life insurance is a flexible type of permanent life insurance that combines a death benefit with a savings component. Policyholders can adjust premiums and death benefits, and the policy builds cash value over time, which can be used to cover premiums or taken as a loan.
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Whole life insurance is a type of permanent life insurance that provides lifelong coverage with fixed premiums and a guaranteed death benefit. It also includes a savings component that builds cash value over time.
Variable Universal Life (VUL) insurance is a type of permanent life insurance that combines the flexibility of universal life insurance with the investment potential of variable life insurance. Policyholders can adjust premiums and death benefits, and they have the option to invest the cash value in various sub-accounts, which can include stocks, bonds, and other investment vehicles. The cash value and death benefit can fluctuate based on the performance of the investments.
Simplified Issue Life Insurance is a type of life insurance that requires no medical exam for approval. Instead, applicants answer a few health-related questions on the application. Coverage is typically smaller, and premiums may be higher due to the limited health information provided. It's designed for those who want quick and easy access to life insurance without undergoing extensive medical underwriting.
Guaranteed Issue Life Insurance is a type of life insurance that offers coverage without any medical exams or health questions. It's available to everyone regardless of health status, but typically comes with higher premiums and lower coverage amounts. This policy is often used by individuals who may not qualify for other types of life insurance due to health issues.