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Term life insurance
Term insurance is usually the most affordable type of insurance. It is available in coverage terms of 5, 10, 15, 20 and 30 years. The premium remains the same for the duration of the term. If the insured dies within the term period, the insurance company pays the death benefit. The downside of term life insurance is once the term ends, the coverage ends or the premium increase dramatically. The older you are, the more expensive it gets.
You can convert many term life insurance policies to a permanent life insurance product ; whole life insurance, universal life insurance or variable life insurance.
If you want to purchase another policy after your term ends, you will have to show evidence of good health to purchase a new life policy.
Whole life insurance
Whole life is the most common type of permanent life insurance. Your premium payments remain the same over the life of the policy. Some whole life policies can be paid up after a certain number of years. Whole life insurance is typically more expensive than term life policies. The premiums are the same until they stop when you turn 100.
Universal life insurance
Universal life insurance provides permanent life insurance protection. It is designed for people who are looking for flexibility, in case something happens and you need to adjust your premium or death benefit value.
Variable life insurance
Variable life insurance ia a permanent life policy that allows the ability to accumulate cash value while providing variety and control over professionally managed investment options. You have the freedom to monitor and make decisions on where to allocate your funds over the life of the policy. This product provides flexible premiums and a flexible death benefit.
Variable life insurance is good for someone who understands that investing involves rewards, but also risks that may have the potential to reduce the policy's cash value.
Variable life policy puts greater responsibility on you. You assume the investment risk, and select and monitor the underlying investment options, instead of the insurance company doing it for you.
Not sure which life insurance is right for you? Compare all life insurance types.
Important Note: Before purchasing a variable life insurance policy, carefully consider the contract and the underlying funds' investment objectives, risks, charges and expenses. Both the contract prospectus and the underlying fund prospectuses contain information relating to investment objectives, risks, charges and expenses, as well as other important information. The prospectuses are available from your licensed financial representative or the insurance company. You should read them carefully before purchasing a variable life insurance policy.
Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages