Life Insurance for Individuals
Are you looking for a life insurance plan that fits your needs? Answer a few questions and a licensed insurance agent may contact you. There is no obligation to enroll.
- Term and permanent life policies are among the options people ask about here.
- Age, health, and coverage amount help a participating carrier review a request.
- Submitting a form does not approve an application or start a policy.
- Life Insurance Quote is not a life insurance company and does not guarantee issue or rates.
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What is life insurance?
Life insurance is a contract between a person and a life insurance company. In exchange for premiums, the company agrees to pay a benefit if the insured person dies while the policy is in force, or in some cases after a set period. The policyholder pays that premium on a schedule or as a single amount.
A policy names a beneficiary who may receive that benefit. Exact terms, exclusions, and amounts are set by the carrier you speak with. Life Insurance Quote does not issue policies or guarantee a payment.
Term and permanent life insurance
Two common categories are term life, which covers a set number of years, and permanent life, which is designed to last longer and may include a cash-value feature. The agent or carrier you speak with explains what they can offer.
- Term life for a set period, such as 10, 20, or 30 years
- Permanent coverage that may last for life, subject to the policy terms
- Coverage amounts based on income, debts, or family needs you describe
- Possible medical questions or exams, depending on the carrier
- Riders a carrier may discuss, such as accidental death or waiver of premium
What can affect a quote
Life insurance premiums are calculated from factors such as age, health, tobacco use, policy length, and the coverage amount. Insurers use that information to estimate risk and then set a premium. Driving history can also come up with some carriers. Life Insurance Quote does not approve applications, guarantee issue, or set a rate.
How a request on this site works
Complete the form above. A licensed insurance agent may contact you about term or permanent options. Submitting a form does not start a policy or lock a premium.
Life Insurance Quote is not a life insurance company. Any policy is between you and the carrier you choose. There is no obligation to enroll.