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Frequently Asked Questions about Life Insurance

Here are the answers to the most commonly asked questions about getting some life insurance.

How do I get some life insurance?

You can apply to get some life insurance quotes for free by filling out our online application. Just click "apply now" wherever you see it on our site, and you will be supplied with quotes from major insurance carriers.

Why should I get some life insurance?

If you have anyone who depends on you financially or otherwise, you should get some life insurance to take care of their needs after you're gone. Dependents might include a spouse, child, or elderly parent. Life insurance can help cover your final expenses (funeral costs, estate settlement costs, medical bills, etc.) and maintain your family's present standard of living.

What kind of life insurance should I get?

This will largely depend on how you intend to use your policy. If you are looking for basic coverage that will pay a death benefit and nothing else, term life insurance might best meet your needs. Term life insurance covers you for a limited period of time, and then expires. If you do not renew and your term policy expires, your beneficiaries will not receive a death benefit. Though permanent life insurance tends to be more expensive, it has more features than a term life policy. With permanent life insurance, your life insurance can double as an investment vehicle that will accrue cash value. You will also enjoy a lifetime of coverage.

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If I get some life insurance, how much should I get?

The right amount of coverage will vary from individual to individual. Typically, experts advise that you take out a policy that is 2-10 times your annual income. Keep in mind that this type of an estimate might not be accurate if you do not earn an income but provide other services to your family. For instance, the value of the annual contribution of a stay-at-home mother to a household (cooking, babysitting, and cleaning) is valued at around $80,000. If you were to die, your family would have to pay someone to do these duties in your stead. Thus, even if you don't earn an income, it is still important to get some life insurance. For more information, check out the how much do you need page.

What factors will determine the price of the quotes I get?

The quotes you get will be based on the cost of your policy, which is determined by the amount of life insurance you purchase, your health, and the type of policy. You can get some life insurance quotes for free on our site, so you can adjust these factors to see how they influence your premium.