Best Life Insurance Rates.

Let's face it life insurance is not something most people want to talk about or shop for but it is something each family should have.

Many families put off buying life insurance because it is not required like auto insurance or home insurance. You know this is the wrong way to look at it but life is busy and everyone just needs to take some time to commit to protecting the ones they love.

Term Life Insurance vs. Permanent

  • white check mark
    Term Insurance Benefits
    Term insurance is the most popular because it is the cheaper option but permanent life insurance can offer more protection. Term life insurance policies are set in blocks of years such as 10, 20 and 30 year terms. Once the term is over the policy no longer is valid. These policies offer the most death benefit for the lowest premium but they do expire. Often referred to as renting your life insurance it is a great option for someone who wants a large amount of life insurance for a set period of time.
  • white check mark
    Permanent Life Insurance
    Now permanent life insurance usually comes in the form of a whole life policy or universal life policy. These policies don't have an expiration and accumulate a cash value similar to a savings account within the policy. A portion of your premium is set aside in this "Cash Value" which adds to the death benefit and can be withdrawn but you may incur a penalty for early withdraw. The primary reason a permanent policy makes sense is the longevity and cash value account. Over many years the cash value will earn interest and may accrue to a point where it is worth more than you paid for it. Permanent life insurance is much more expensive in fact it generally is 5 to 10 times more in cost than a comparable term policy.
Protect your family with life insurance

Helpful information on life insurance.

It is also required by law in order to drive your vehicle on the road so most consumers will try to find the cheapest policy available. can provide a comparison shopping experience unlike any other where the customer gets to choose from the best companies.

Read more articles

How Much Death Benefit Do I Need?

  • white check mark
    The 10X Rule
    There is no formula that is guaranteed to provide the right amount of life insurance but we can give you a way to consider how much life insurance you need. Start to think about why you are getting life insurance and this will help you figure out the dollar amount. For example if your goal is to make sure your kids can go to college and your spouse has enough money to pay off all debt then you know what to add up. Many people are given the 10x rule which states to multiple your annual earnings times ten and this will provide the right amount of insurance. While this is a good place to start it doesn't get to the heart of why you are getting the insurance.
  • white check mark
    Some is better than none
    Figure out why you are getting life insurance and then determine how much it will cost to fulfill that need. There is never a right or wrong answer because you never know what will be needed. Having some life insurance is better than none so you are starting on the right path.
Outline graphic depicting hand nurturing a heart

Common Questions