LEARN ABOUT THE IMPACT LIFE INSURANCE CAN HAVE ON YOUR FAMILY
There are many kinds of life insurance, but by far the most common ones are term and whole. Most people find term life insurance to be more practical, but the policy that’s best for you will depend on your individual circumstances.
Term life insurance is the most affordable type of life insurance, with relatively low monthly rates. It lasts for a fixed period of time — typically 10 to 30 years, depending on your policy — which is all that most people need.
Whole life insurance lasts your whole life and, in addition to a death benefit payout, it comes with a cash value that can be used as a savings vehicle to supplement your retirement. It’s best for people who have maxed out other investments.
You need life insurance to protect your family from the loss of your income. Your savings will only go so far, especially if you pass away before you’ve had time to pay off all of your debts and save up for the future. People who usually need life insurance include:
The death benefit can replace your financial support for decades and ensure your family won’t struggle to cover the costs of a mortgage, a funeral, or care and college for your kids. It also means your spouse can continue to save for retirement or has money to support an aging parent.
Protective, Banner Life, and Lincoln Financial are among our top-ranked insurance partners, but when it comes to life insurance, there’s no one-size-fits-all. The right policy for you depends on your individual needs and circumstances. That’s where we come in. As an independent insurance broker, we can give you reviews and recommendations of all the top insurance companies.
Before you start the process, take some time to review your financial needs and your health history. This will help speed up the process of getting a quote and applying for coverage.
We’re a marketplace — that means we partner with top life insurance companies to give you multiple quotes, so you can find the policy that’s right for you
Our expert agents work for you, not the insurance companies. You can trust them to offer unbiased advice and help you understand all your options.
We’re here to advocate for you, and that doesn’t end when you buy your policy. Need to change your beneficiaries, or file a claim? We’ll help with that, too.
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