There are two major types of life insurance: Permanent and Term.

Term insurance is designed to stay in effect for a certain period of time such as 10,20 or 30 years. Term policies offer guaranteed rates for the term of the policy, i.e., a 10 year term life policy has rates that remain level for 10 years. Term policies generally have a conversion period and renewable period. Both vary by company. The conversion period is the time frame that you have to convert your term policy to a permanent policy without medical evidence. The renewability period is how long you can keep your policy. After the term is over, your policy becomes annual renewable until the renewable period is over.

Get your INSTANT term life quote now.

Permanent insurance stays in effect for your lifetime. The two types are Whole Life and Universal Life. Besides offering lifetime benefits, these plans offer cash value accumulation. Universal Life generally has little cash value build up, compared to Whole Life, which is designed to build up substantial value that can be used for additional retirement funds.

The amount of insurance you need is not a number anyone can make up for you. Depending on age, the insurance companies will issue from 10 to 30 times your earnings. Some factors to consider when deciding how much coverage you need are outstanding debts and mortgages, college planning and your other assets. The most important factor might be your budget for life insurance premiums.

The quoting calculator below can give you a good start in estimating rates. The actual premium is based on many factors such as your height and weight, smoking status, blood pressure, cholesterol, and a real wild card, family history.

It is important to discuss life insurance with a licensed agent so you can get an accurate quote. We would be happy to discuss your situation and help you come up with the right amount of insurance and assess your underwriting risk. Alternatively, you can fill out the life insurance request form above with your specific information and we will email a quote to you.