Choosing the right type of life insurance shouldn’t be so complicated. We make it easy!
Life Insurance Types Overview
With our life insurance service, we’ll help you find the best life insurance policies to meet your needs.
You have a choice of many different types of life insurance.
With our independent life insurance service, we have everything you need to make an informed decision about life insurance.
Term Life Insurance
The most common type of life insurance policy purchased.
It’s easy to understand and term life is affordable.
How to Save Money on Your Policy – Term Life Insurance
The above article provides detailed 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 life insurance policies offer great features and benefits.
You get the coverage you need at an affordable price.
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.
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.
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.
Which Type of Life Insurance is Right For You?
There are many types of life insurance, and over 100 life insurance companies 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.
Michael J Horbal
I’m the owner of RiskQuoter. We specialize in life insurance underwriting, helping you get the best rates whether you have perfect health or a history of medical problems.