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You have a choice - you can spend hours of your time calling and visiting your local insurance agencies, or
you can spend a few minutes with us and get numerous quotes from top-rated local agencies, and national
insurance companies in all 50 states. The quotes you’ll receive come from A-rated companies all bidding for
Many of our customers have saved 40% or more on their life insurance. Just click on the "Get Quotes Now"
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Life Insurance FAQs
Why do I need life insurance?
You need life insurance to protect your family in the event of your death. If you were to die prematurely
your family would have to live without your income, and would still have bills to pay such as living expenses,
mortgage or rent payments, and car payments. They would also be responsible for your final expenses such
as medical bills, funeral expenses, and burial costs.
If you have life insurance your family would be covered for all these expenses.
What does life insurance cover?
A life insurance policy provides your survivors the following protection …
It can replace your income so your survivors can maintain their standard of living
It can pay your survivor’s mortgage or rent payments so they won’t be left homeless
It can pay car payments so your survivors won’t be without transportation
It can pay for your final expenses – medical bills, funeral expenses, and burial costs – which can run
into the tens-of-thousands of dollars
It can pay to send you kids through college
How much life insurance do I need?
Ask yourself, “If I were to pass away today, how much insurance would my family need until they could get
back on their feet?” The standard rule of thumb is to purchase 5 to 10 times your annual income in life
If you’re married and your spouse works, or you’re single with no dependents, you may only need enough
insurance to pay your funeral expenses, and any debts you’ve incurred.
How can I get cheap life insurance?
Don’t buy more insurance than you need - Sit down with your spouse and figure out how much your
family will need for their future living expenses, mortgage or rental payments, credit card payments, auto
loan payments, auto insurance, homeowners insurance, health insurance, burial costs, and final expenses.
Comparison shop - Click the “Get Quotes Now” button near the top of the page to get cheap life insurance
quotes from top rated companies, then compare those quotes to find a policy with the cheapest rate and
the most coverage.
Purchase term insurance – There are two basic types of life insurance – term life insurance, and cash value
life insurance (whole life insurance and universal life insurance) which includes an investment account.
Term insurance rates are much cheaper than cash value life insurance rates because you only pay for
insurance and not insurance plus an investment. For example, a $250,000 term life insurance quote for a 35
year old male can be as little as $12 a month, while a cash value policy can cost up to 10 times that much.
Buy a no-load policy – A no-load policy has no extra fees attached to it such as marketing fees or
commissions. These fees can add hundreds of dollars to your insurance costs.
Improve your health – The healthier you are the lower your premium. Two things that can dramatically
increase your premium are being overweight and being a smoker. So if you’re overweight, start a diet, and if
you smoke, quit.
Buy you policy now – The younger you are the less your life insurance will cost. Buying you policy now,
instead of when you’re older and more prone to illness, will get you a better rate.
Improve your credit rating – If you have a bad credit rating you’ll end up paying more for your life
insurance, or even be denied insurance. Check your credit rating by going online to get a free credit report,
then do what you can do to clean it up.
How can I tell if a life insurance company has a good reputation?
First, go to your state’s department of insurance website to find out if the company is licensed in your state,
and if there are any complaints against them. Here’s a link to find your state’s insurance site:
Next, go to Standard & Poor’s website - http://www.standardandpoors.com – to check the company's
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