Life Insurance FAQ

Here are the answers to the most commonly asked questions about the best rates.

What is life insurance?

This essential coverage takes care of your loved ones financially after you die. In other words, it is a contract between you and an insurer that states the insurer will pay your beneficiaries a death benefit (a specified cash amount) upon your death. Your eligibility will depend on your occupation and the condition of your health. If you are eligible, your best rates and premiums will depend on factors like your gender, age, type of employment, and health status. Depending on the type of plan you choose, certain policies can also double as investment vehicles.

Do I need it?

This coverage is not just for people with children or spouses. If you have anyone who depends on you, it is a good idea. Dependents can include spouses, children, disabled or elderly parents, etc. Even if you don’t have any dependents yet, you might consider getting a policy while you’re young and healthy when your premiums will be at their lowest.

What kinds of plans are there?

Coverage comes in two primary types: permanent life and term life. The two types differ substantially in cost and purpose.

What type of policy is right for me?

Whether you choose permanent or term life coverage will depend on your finances and your purpose in taking out a life insurance policy. If you are on a budget or just want a straightforward policy that will not earn cash value, term life is a good option to provide time-limited coverage. If, on the other hand, you are looking for lifetime coverage that is a little more expensive but will also accrue cash value, a permanent offering is a good long-term option.

How do I apply for quotes?

You can apply for quotes by clicking "apply now" anywhere you see it on our site.  Our application is free, and we will supply you with several quotes from major insurance carriers just for filling it out. You will see these rates side-by-side to make comparison shopping as easy as possible.

Who will provide my policy if I use your site?

We are not an insurer, but rather a free referral service that matches customers with companies who can give them the best rates. We have a robust network of trusted partners, including major carriers like Allstate, MetLife, Prudential, Farmer’s, and many more.