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Level term life insurance is for a specific period of time: 10 to 30 years. It meets shorter term needs, but becomes too expensive to keep.
Permanent life insurance ( universal life insurance or whole life insurance ) is designed to stay in force regardless of how long you live. Permanent life insurance accumulates cash value within the policy on a tax-deferred basis. You can pay a minimum premium in order to maintain coverage or pay in much more to accumulate cash.
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No Exam Term Life InsuranceCompare Companies! Coverage in 10 minutes! Instant Approval for Qualified Applicants. Plans are available for 10, 15, 20 or 30 years. Get a policy in hand in minutes!
Return of Premium InsuranceGet back all of the premiums you have paid TAX-FREE * $100,000 to millions in coverage * Best for ages 18 - 45 * 20 or 30 year coverage * Review Sample Return of Premium Insurance Quotes.
Fully-Underwritten Term Life InsuranceIf you are in good health including height/weight ratio, then you might qualify for a lower premium than offered above. Compare Online Term Life Quotes for coverage that requires a medical exam. Also if you need more than $250,000 of coverage.
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Universal Life InsuranceUniversal life insurance credits a current interest rate to the cash value while also providing a minimum guaranteed rate. Universal life insurance offers great flexibility in the amount you wish to pay each month and the amount of protection you desire, both of which may be changed by the policyholder during the years within certain guidelines while in force. A guaranteed dealth benefit is now available. Request universal life insurance quotes
No Exam Whole Life InsuranceSimple Whole Life insurance provides permanent coverage with guaranteed fixed premiums. Quote & apply online for up to $50,000 coverage. No exams. Issue ages 6 months - age 85. May be used for final expense or burial insurance. Purchase whole life insurance online
Final Expense Insurance - Burial InsuranceFace amount of $2,500 up to $50,000 (depending upon age) with no medical exam. Final expense insurance is permanent whole life protection used to pay final expenses upon death. Policies build cash value. Review details of final expense insurance or Request a final expense insurance quote.
Virtually Guaranteed Issue Life InsurancePersons who are uninsurable, but need or want life insurance, are able to purchase up to $50,000 of virtually guaranteed life insurance without medical exams. Premiums are higher than standard rates, but protection is available and policies build cash value. Review the details of guaranteed issue life insurance or Request a guaranteed issue life insurance quote
Guaranteed Accidental Life InsuranceOne American dies every 5 minutes as the result of an accident.* Up to $250,000 of accidental death insurance. Coverage is guaranteed regardless of health or occupation if you are between the ages of 18 and 69. (*2001 National Safety Council Injury Facts)
Quote & Apply Online
Juvenile Whole Life InsuranceGet $5,000 to $20,000 of permanent whole coverage for children up to 25 years of age. No paperwork - no medical exams. Costs only pennies a day! Quote & Apply Online
Joint Survivorship Life InsuranceJoint life insurance and joint survivorship life policies are used for estate planning. These policies can be utilized quite creatively in estate planning. Request a quote
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Specialty Life Insurance
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