Your Source for Online Life Insurance Quotes

Obtaining an instant life insurance quote was nearly impossible in the past, but with today's technology and lifeinsure.com's exclusive online search engine, obtaining life insurance quotes is a snap. Our life insurance quoting engine searches through hundreds of insurance providers to get you the best possible rates with the exact coverage you need-all in a matter of seconds. You'll find the lowest premiums available from dozens of companies. Protect your family with the financial safety net that will protect their future in the event of death. To get quotes for the policy of your choice click the one of the buttons on the right.

Life Insurance Quotes Nationwide
Residents of all 50 states are eligible to use our system to get an instant quote and coverage. No matter where you reside, our smart search system will find the perfect policy and coverage appropriate for you. Save time and money by putting the power of our database to work for you. You'll also be able to obtain company financial ratings and choose among companies with solid reputations for keeping their promises.


Easy to Use Online Quote System
By answering just a few quick questions, you can obtain instant universal life insurance quotes, instant term life insurance quotes, and return of premium life insurance quotes. Just click the button on the right to quote the type of coverage you'd like to see.

As soon as you choose the type of insurance that fits you best and fill out a quote request we will work quickly to get you insured. Instant life insurance for smokers is as easy to obtain as it is for non-smokers when utilizing our online system .

Whole Life Insurance

What it is. How it works.
Whole life is a type of permanent life insurance. It’s called permanent because a whole life policy provides life-long protection and is guaranteed to do so by the insurance company. With whole life, you pay a fixed premium for life, instead of the increasing premiums found on renewable term life insurance policies.



Since the word “term” in term life insurance means a period of time, one could say that the term for whole life insurance is the term of all of your life. It is not technically called lifetime term insurance, but in a way it could be described that way.

How long does it last and should you get this kind of insurance?
With whole life insurance policies, as long as you pay the premiums, the death benefit will be paid. These policies are designed and priced for you to keep over a long period of time.
It’s important to remember that if you’re not sure that you’re going to keep this kind of insurance policy then it’s probably the wrong type of insurance for you. In that case, you should look at term life insurance.

The biggest difference between whole life insurance policy and the different types of term policies is that whole life insures something that will unfortunately happen for certain - one’s death. Term insures the possibility of you dying during the term period, whether that is 1 year or up to 30 years depending on the type of term insurance you get.
Whole life also has a cash component. This cash value can grow and interest is credited to the cash value. Interest growth in these policies is tax-deferred. You don’t pay taxes on the growth. If you die, your beneficiary also does not pay income taxes on the benefit received. If you cash in the policy and you receive back more than you put in, you pay income taxes only on the amount above what you put in.

There are differences among these policies. Some of these policies are from mutual life insurance companies, which means that the insurance company is owned by the policyholders. Mutual company policies can pay dividends to the policyholders that can both enhance cash values and increase the insurance amount. Your lifeinsure.com representative can show you comparative quotes from different highly rated insurance companies.

Another type of whole life is Survivorship life insurance, which is a type that covers two people and pays the insurance amount when both people have died. This is used often in estate planning to create cash to pay the estate taxes.

Universal Life Insurance Policies and Quotes

A Universal life insurance policy is designed to provide lifetime insurance protection.



This type of insurance policy is one type of permanent life insurance. With a permanent policy, the insurance is designed to last as long as you pay the premiums. Whole life insurance guarantees this lifetime protection. Universal life does not have these guarantees but there are now universal life policies where you can add a feature that guarantees that the insurance will last the rest of your life. We can tell you more about that and give you quotes for this by using the navigation for quotes on the left.

Permanent insurance policies are designed and priced for you to keep over a long period of time. If you don’t intend to keep the policy for the rest of your life, this may be the wrong type of insurance for you. If so, it may be better to consider term life insurance or return of premium insurance.
The two main types of permanent life insurance are whole life and universal life. These have a feature known as cash value or cash surrender value. Term insurance policies do not have cash values.
Universal life (or whole life) covers an event that’s certain to happen; one’s death, while term covers you for the possibility of you dying during the term period.
A term life policy is sometimes renewable (you can keep it but at a price that reflects your older age). At some point, as you get older term goes up in price and may become too expensive for you to keep.

The Difference between Whole Life Insurance and Universal Life Insurance
Here’s the difference in a nutshell:
Whole life guarantees the death benefit for life, guarantees the cash value and guarantees the premium - period.
Universal life insurance assumes an interest rate and the cost of insurance and comes up with a projected premium. If the insurance companies' projections on their universal life policy do not come through, then you may have to come up with higher premiums later, have lower than expected cash values or even lose the policy – but…..

A recent development on universal life

A recent development about is that you can now get universal life insurance and guarantee that the policy will last for a lifetime. It may lose its cash value but the insurance amount can be guaranteed for life. To learn more about these guaranteed death benefit universal life insurance policies click here.
The experts at lifeinsure.com can go over this with you and simplify it for you. There are differences in cost and benefits among companies. We’ll go over those questions with you and get you straight answers.

All You Need to Know About Health Insurance

August 24, 2004


Let's face it--in today's world, health insurance is a necessity. With medical expenses soaring higher than a hang glider, paying for them could have you digging deep into the pockets of your jeans.

What types of health insurance are available?
Health insurance plans generally fall into one of two categories: indemnity plans (also known as reimbursement plans) and managed care plans such as health maintenance organizations (HMOs), preferred provider organizations (PPOs), and point of service (POS) plans.

• An indemnity plan allows you to choose your own doctors and pays for your medical expenses--totally, in part, or up to a specified amount per day for a specified number of days.
• Managed care plans generally provide broader coverage, but they all involve an arrangement between the insurer and a selected network of health-care providers (doctors, hospitals, etc.). For example, an HMO will require that a primary care physician in the network coordinate all of your care and refer you to specialists in the network.

No matter which type of health insurance you buy, you'll need to make sure it offers the right kinds of coverage.

What should be covered?

A good health insurance policy contains several types of coverage.

Hospital expense insurance pays your room, board, and incidental services costs if you're hospitalized.

Surgical expense insurance covers surgeons' fees and related costs associated with surgery.

Physicians' expense insurance pays for visits to a doctor's office or for a doctor's hospital visits.

Major medical insurance offers extremely broad coverage with a very high maximum benefit that's designed to protect you against losses from catastrophic illness or injury.

What might be covered?

When comparing health insurance plans, check to see if they provide additional benefits that you may need, including:

• Prescription drugs
• Preventive care
• Mental health benefits
• Maternity care
• Vision care

What will it cost? In addition to the monthly premium expense, you may have other out-of-pocket costs. These costs can really add up, especially if you have children or other family members who visit the doctor frequently. Check to see if the health insurance plan you're considering requires you to pay any or all of the following:

• Co-payment: The amount you'll have to pay each time you visit a health insurance provider (generally required by HMOs).
  
• Deductible: The amount you'll have to pay toward your medical expenses (usually annually) before the insurance company begins to pay claims (generally required by indemnity plans).
  
• Coinsurance: The percentage of your medical costs you'll have to pay after you reach any deductibles that apply.
  

Where can I get health insurance?

You may get health insurance through a group plan at work or through another group affiliation (a school, a club, etc.) or by purchasing an individual plan on your own. By purchasing an individual plan on your own, you may even be able to customize the health plan.

A good way to compare rates, plans, and options for your individual needs is to shop online. Complete online health insurance quote comparisons help to insure you get your best rate.

How do I decide which plan is best?

The best health insurance plan for you is the one that gives you the greatest flexibility and the most benefits for the lowest cost. Unfortunately, there's no such thing as a standard health insurance plan. As you would when making any major purchase, you'll need to shop around and get several quotes before choosing a plan. Here are a few points to consider:

• What co-pays, deductibles, and coinsurance requirements apply?
• How much freedom do you have to choose your own health-care providers?
• Does the plan cover the health services that you need?
• Does the plan cover the health-care providers you're currently using?
• Does the plan offer family, as well as individual, coverage?
• Does the plan cover pre-existing conditions? If so, is there a waiting period? (The average waiting period is three months to one year.)
• Does the insurance company have a good reputation in the industry and a positive rating from a major ratings organization? (Contact your state's department of insurance for more information.)