Life Insurance Types

Choosing the right type of life insurance shouldn’t be so complicated.

We make it easy for you.

You’ll find the best life insurance policies to meet your needs here.

With RiskQuoter, you get everything you need to make an informed decision about life insurance.

Term Life Insurance

The most common type of life insurance policy purchased is term life.

It’s easy to understand and is affordable.

We wrote this detailed guide to help you – Term Life Insurance

The above article provides information about:

  • Term Life Insurance
  • Term lengths from 1 – 40 years
  • Return of Premium Term (ROP)
  • Riders for Term Life
  • Conversion Privileges

Today’s term policies offer great life insurance riders that may interest you.

You get the coverage you need at an affordable price.

Term life policies are simple to understand.

They are used for everything from collateral assignments & key person life insurance for business to protection for families.

If you’re wondering which term length is best for you, our guide on life insurance statistics tells you what other consumers are buying.

Certain companies like Protective offer membership products like Costco life insurance.

You may also have group coverage available such as the AICPA term life insurance plans

Universal Life Insurance

If you’re considering universal life insurance, the following article gives you the details you need to make a great choice.

Universal Life Insurance – Everything You Need to Know

In the above article, we explain:

  • Guaranteed Universal Life (GUL)
  • Cash Value Universal Life
  • Index Universal Life (IUL)
  • Riders, Benefits and Policy Loans

If universal life insurance is right for you, this will help you choose the right policy.

Whole Life Insurance

Whole life insurance offers the possibility of dividends and other cash value features.

The following article gets into the details you should know.

Whole Life Insurance – Pros and Cons

In the article, you’ll learn about:

  • Different types of whole life
  • Cash values
  • Dividends
  • Policy Loans
  • Using the cash value in the future

It’s important to understand what you are buying, and the above article helps you make the right decision.

If you’re age 65 or older, we have a senior life insurance guide that you should read before buying any life insurance for yourself or your parents.

Accidental Death Insurance

If life insurance is not available due to a high-risk health issue or because of cost, accidental is worth a look.

Accidental Death Insurance

The guide explains:

  • What accidental death insurance is and isn’t.
  • When you should consider accidental death insurance.
  • Accidental death pros and cons

When you finish reading the above guide, it will help you decide if accidental coverage is worth considering.

If you’re in New York, accidental options seem to be limited.

Life Insurance Policy Rights

We wrote guides on two of the most common life insurance policy rights you have.

The right to assign your policy such as for when you need life insurance for an SBA loan.

Life Insurance Assignments

The right to choose how your beneficiary gets paid:

Life Income Settlement Options

It’s important to understand your options available.

Which Policy is Right for You?

There are many types of life insurance, and over 100 life insurance companies are available in the United States.

According to LIMRA, 50 million families in the U.S. recognize that they need more life insurance.

The problem is that they don’t know what types of life insurance they should buy.

We show you the benefits and features of each type, and let you know what to expect from life insurance underwriting.

Please take a few minutes to submit your quote request today. Thank you.

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Michael Horbal - Author

Michael J. Horbal

Owner of RiskQuoter

Too many people overpay for life insurance because they end up with the wrong life insurance company, agent, or both. That’s why I started RiskQuoter – To help you get the best life insurance rates available.

As an independent insurance agent, I’m licensed in all 50 states and the District of Columbia and offer 40+ life insurance companies to ensure you get your best rate!

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