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Life insurance?
This website is designed to give you the tools you need. To understand everything about life insurance under 60 seconds, a boring detailed life insurance guide, life insurance quotes platform, and how to buy term life insurance. Along with options if you have health challenges.
What is Life Insurance? Life insurance is a legal contract between you and your insurance company, designed to provide financial protection and support to your loved ones in the event of your passing away. In exchange for paying regular monthly or annual premiums, your insurance company agrees to provide a sizeable tax-free lump sum payout, known as the death benefit, to your beneficiaries.
Life insurance and living benefits protects yourself, your family and business against illness, death and taxes
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Three steps to buying life insurance.
Choose a Policy
Pay Premiums
To maintain your policy, you pay regular monthly or annual premiums to the insurance company. The premium amount is based on factors such as your age, gender, health, lifestyle, and the type of coverage amount you've chosen
Death Benefit
In the unfortunate event of your passing while the policy is in force, the insurance company pays out the death benefit to the beneficiaries you've designated when you purchased the policy. This payout is a tax-free lump sum cash amount
Life insurane basics
What is term life insurance?
Term life insurance provides cheap temporary coverage, to pay off your debts, replace income during working years, and provide funds to pay for the education of your children.
Term insurance is designed to provide simple affordable financial protection for 10, 20 or 30 years. You can pay the same fixed premiums monthly or annually (also called level premiums). Basic term life insurance with no additional features, riders and benefits is the most cost effective form of life insurance available. Term life has no cash accumulation value.
Term life insurance is the most affordable type of life insurance.
What is permanent life insurance?
Permanent life insurance provides lifelong coverage to age 100, estate planning, providing for final expenses, paying taxes and as an investment and savings tool.
Each type of whole life insurance has its own set of features, benefits, and considerations. Many whole life insurance policies offer both a tax free cash payment (death benefit) to your beneficiaries and a cash value component that accumulates over time. This allows you take money out of the policy or a tax free loan using the policy as collateral.
Permanent life insurance
provides coverage for your lifetime
How to buy life insurance
If your age, gender and health profile are young and healthy buying a fully underwritten term policy is the cheapest. An underwritten policy requires a nurses visit, medical exam, blood and urine samples, and your health file from your doctor. Applications are web-based electronic signature. Policies are issued electronically. Lowest cost policies with easy options up to $2,000,000. With a few health challenges a more expensive simplified issue term life insurance policy with no nurses visit might be the way to go. With health issues a no medical guaranteed issue permanent life insurance up to $50,000 at age 50 is the last option.
Term life insurance is the most affordable type of life insurance.
How much life insurance do I need?
Most family's in todays inflationary economy need a minimum of $500,000 to $1,000,000 term life coverage. You can add disability and critical illness term coverage riders. Many policies include renewal and insurable guarantees so you'll have coverage as long as you need it. Ands can get more coverage if you decide that your want some.
Term life insurance is the most affordable type of life insurance.
How much does life insurance cost?
Depending on your age, sex and health profile you can spend anywhere from $9.99 per month to $99.00 per month. For a few dollars extra per month, ($3.00 to $9.00) you can add benefits to cover you for more than just your life
Term life insurance is the most affordable type of life insurance.
How much does my family get if I die?
Your family will get your policy coverage amount. Most people take a policy for $500,000 to $1,000,000 that will pay out during the term of your term life insurance policy. Or your family could receive significantly more cash if you own a permanent participating whole life policy
Term life insurance is the most affordable type of life insurance.
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