Permanent or Term. There’s a life insurance policy that’s right for your life.

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If you're wondering what life insurance can do for you, you've come to the right place. We'll explain a few of the major benefits of having a life insurance policy.

Cover your final expenses. Did you know the average funeral in the United States now costs $6500? If you include flowers and burial costs,this number can easily exceed $10,000. For most families, this would be a considerable burden to bear. Applying for life insurance quotes online is the first step to making sure your final expenses are taken care of.  Help your loved ones meet their long-term goals. 

You probably want your children to go to college and your spouse to be able to retire in comfort. If your family lost you and your income, would they be able to do these things? Getting life insurance quotes online can give you the peace of mind of knowing your family would be able to achieve such goals without you.

Replace your income. Would your household be able to cover day-to-day expenses without your income? Your death means the loss of your financial contribution to your family, which could put your loved ones in danger of bankruptcy or poverty. Protect your family’s financial future by applying for life insurance quotes online. Increase your wealth. 

Depending on the type of policy for which you apply for life insurance quotes online, your life insurance policy may have the ability to accumulate cash value on a tax-deferred basis. This enables some life insurance policies to double as investment vehicles.

Meet the needs of your business. Life insurance quotes online are not just for individuals. Businesses may also need life insurance protection to cover the life of a key employee until retirement, for example. 

You would like the option to borrow against your policy. You can get Life Insurance Quotes Online on policies that allow you to withdraw from or borrow against the value of the policy to cover major life expenses, such as tuition or home renovations.

Which Policy is Right for You

The first major type of life insurance policy for which we offer life insurance quotes online is term life. Term life is for those who have a temporary need for life insurance protection. Term life provides coverage for a limited amount of time, usually 10, 20, or 30 years. If you die while your policy is in effect, then your beneficiaries will be paid a death benefit. If, on the other hand, you are still alive when your policy expires, your coverage will cease unless you choose to renew the policy. Usually, term life policies offer the cheapest life insurance quotes online. However, term life can quickly become unaffordable as you age because premiums will increase over time.

Here are some things to consider before applying for term life insurance quotes online:

  • Term life is the most affordable type of policy in the short-term
  • You can get considerable coverage on a tight budget with term life
  • Term life is ideal for supplementing existing coverage
  • The policy has no further value once the term period expires
  • Premiums will increase as you age and may become unaffordable

Permanent Life Policies

  • The second type of policy on which we offer life insurance quotes online is permanent life, such a whole life, universal life and variable life. Permanent life offers a lifetime of protection with premiums that can stay level for the life of the policy or can be flexible depending on the type of permanent life insurance policy you choose. Additionally, permanent life policies have the ability to build cash value over time on a tax-deferred basis. 

You can even withdraw from or borrow against this cash value to cover major expenses. In the short term, you will see that permanent life insurance quotes are more expensive than term life quotes. However, over the life of a permanent policy you may pay less than term insurance due term insurance becoming extremely expensive as you get older. 

Here are some things to consider before applying for permanent life insurance quotes online:

  • Enjoy a lifetime of protection as long as premiums are paid
  • Premiums can be level or adjustable
  • Initially more expensive than term life
  • Builds cash value over time on a tax-deferred basis
  • Can withdraw from or borrow against, cash value of the policy
  • Can be used as an investment tool to help tax diversify your overall portfolio