Variable Life Insurance: When you Need Flexibility

Variable Life Insurance: When you Need Flexibility text overlaying image of a family covered by an umbrella Looking for the ideal life insurance policy? While you’re researching all of these options, you might want to consider one that’s often overlooked: variable life insurance. This is a type of whole life insurance policy with a cash value determined by the amount of premiums paid, the policy’s fees, and the success of your investments. If you are interested in this kind of life insurance policy. You need to first understand how the cash value works, how the death benefit is paid out, and how flexible these policies are. 

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What is Variable Life Insurance?

Variable life insurance is a whole life policy that protects you for the rest of your life. As long as you keep your premium payments up to date. Every variable life insurance policy is made up of 3 components: the death benefits, the premium, and the cash value. The premiums are your monthly payments you make to keep your policy active. The premium goes toward the cost of insurance and fees then the rest goes toward your policy’s cash value. The cash value is a tax-deferred savings account where you can invest in different mutual funds. You have the freedom to keep an eye on your money and decide what gets invested where. 


If your cash value investments do well, you can use it to increase your death benefit. Or cash some of it out as you need it. It’s important to know that with investments there also comes the possibility that the investment won’t do well and you can lose money. When you die, the death benefit is the amount of money your beneficiaries get. 

Cash Value

The cash value of a variable life insurance policy works differently than the cash value of a whole or indexed universal life policy. Each variable life insurance policy comes with a proposal that tells you all the ways you can invest the money. Cash value investment choices work just like mutual funds. In that the money would be put into a certain set of investments. Like a money market account, bonds, or an index fund. With variable life insurance policies the insurance company may also offer a fixed interest investment alternative. This option is less risky but it also means your potential rewards are lower as well.


Variable life insurance gives you more ways to make money than other cash value life insurance plans, like whole life insurance, because you can choose how to invest your money. With that being said, variable life insurance plans rarely have a promised return rate. Because the performance of your investment market directly affects your cash value. Meaning in a good year your account will earn a healthy return on investment. But in a bad year you’re risking losing money. Additionally, most insurance companies will put a limit on how much your investment can earn, so you can’t make as much as you would with an independent savings investment.

Death Benefit

Most of the time, variable life insurance death benefits are paid out in one of two ways:


  • Level death benefit – This means the death benefit will be equal to the face value when you buy the plan.
  • Face amount plus cash value – This structure costs more, but your beneficiaries will get the face value of your death benefit as well as whatever is in your cash value account.

Some policies do offer other types of benefit structures like paying out the face value plus all of the premiums paid. But the two listed are the most popular. The death benefit is basically a goal based on an assumption about how well the cash value will do, like a 4% annual rate of return. If this rate of return holds, the insurer assumes the cash value will equal the face value of the insurance you pass away. However, if the cash value doesn’t go well, it can actually reduce your benefit based on the terms of your policy. No matter how your death benefit is set up, you should always check the policy terms to make sure the death benefit is guaranteed. If it is, make sure the expected value and the guaranteed value. 

Variable Universal Life Insurance

Variable universal life insurance works just like a regular variable life insurance policy. However it comes with extra flexibility. With variable universal policies you get the option to put your cash value towards your premium. Meaning if your investments do well and you have enough in your cash value account the policy will essentially pay for itself. When you pay your premium you can choose to pay more or less than the normal premium out of pocket. Giving these policies the nickname “flexible premium policies”. Even though most variable universal life insurance plans do have a minimum and maximum premium limit, you can pay any amount between the limits. So, you can:


  • Pay a portion – If your monthly payment is $500, you can choose to pay $250 out of pocket and use your cash value to pay the other half. Keep in mind that you can only do this if you have a certain amount saved in your cash value amount. 
  • Pay nothing – When your cash value has enough money in it, you can put it entirely towards your premium payment. 
  • Pay more – If you want to get to the pay nothing section quicker then early on you can put more than the premium amount in so the cash value and investments build up quickly. This is often the best choice if you have a large income and want to be able to stop paying fees in the future like when you retire.

Single Premium Variable Universal Life Insurance

We know the policy names are getting long, stick with us, we’ll explain. These plans let you buy coverage and add to the cash value of your policy in one payment. You buy coverage and make all of the minimum cash value contributions at the same time. It’s a hefty chunk of change. But in that single payment you’re fully funding your policy and automatically guaranteeing a large death benefit. Single-premium life insurance plans are also helpful because they let you pay for long-term care with policy loans or by adding a rider. Some single-premium life insurance policies let the policyholder withdraw money from the death benefit tax free to pay for living expenses.


Single-premium whole life and single-premium variable life are two of the most in-demand single-premium policies. How each program builds up a cash value is different. The first one has a set interest rate with no risk. The second option invests the cash value in carefully managed portfolios. Which comes with the risks and possible rewards of active investing.

Variable Life Insurance VS. Whole Life

Both variable and whole life insurance covers you for your whole life. But whole life insurance is less risky and pays out less. Whole life insurance has the following:


  • Fixed premiums – You pay the same premium every month.
  • Level death benefit – The death benefit will not lose value, it is guaranteed and remains the same.
  • Guaranteed returns – Your cash value will keep going up. And when the insurance matures, it will usually be guaranteed to be equal to the death benefit.
  • Fixed growth potential – There is no room for your investment returns to be higher. 

Variable life insurance plans can make the cash value grow much faster. And in some cases, the cash value can even be used to pay the premiums. These plans have more flexible premiums than whole life insurance policies.

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Variable Life Insurance VS. Term Life

If you have monetary obligations that aren’t likely to go away in the next 20 to 30 years. Term life insurance is likely a better choice than variable life insurance because it costs a lot less. For example, if you want to make sure your family can stay in your home if you die and you have a 15-year debt, term life insurance would be a better choice. In the same way, if you think you can save enough money over the next 20 years to take care of any future financial responsibilities, you should just buy term insurance as a backup. You would have to pay more for variable life insurance if you wanted a death payment for the rest of your life. 

Working With EZ

Even though this type of policy has some risks. It is the best way to invest in life insurance for the long run. Variable life insurance is a good choice for people who want a permanent life insurance policy that lets them build up cash value. Or people who want control over their investment options and the freedom to choose where to put their money. However, it is only for people who have enough money to pay the premiums for the rest of their lives. Even though there are more risks with this type of insurance, it could be worth it if you can afford it.


However, if you want cheaper coverage with more of a guarantee. You might be better off with a term life insurance policy because the premiums are cheaper. And you can convert it into a permanent life insurance policy. Working with an agent who specializes in life insurance is the best way to find the right policy for you and your needs. Everyone has their own needs, goals, and ways they can spend their money. At EZ.Insure, we know that you and your family want the best security. But we also know you have to stay within your means.


So, we will do everything we can to find you the best policy at the best price. We want to make it as easy as possible for you to do so and the best part is that everything we do is free! EZ will help you with everything. From answering all of your questions to helping you choose a policy and finish the registration process. We will also help you after your plan has been implemented. To get started, just type your zip code into the bar below or give us a call at 877-670-3560.

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What To Do When Your Term Life Insurance Policy Expires

What To Do When Your Term Life Insurance Policy Expires text overlaying a calendar with a red pin in it A term life insurance policy is great for you and your family if you need life insurance, but only want it for a certain amount of time, like while you are paying off your mortgage. You buy this kind of coverage to protect you for a certain amount of time that you choose. You can also choose from different kinds of term life insurance. For example, you can choose a level term policy, which may cost a little less than other policies because you have to pass a medical exam to apply for it.


If you are worried about your health, you can look into a term life insurance policy that doesn’t require a medical test. You can also add extra coverage to your insurance by getting “riders.” However, what happens once the term ends? What should you do if you have new debt and your policy is ending? No matter what, when your term life insurance policy ends, you have a few choices. 

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Examine Your Needs

If your term life policy is coming to an end, the first thing you need to do is decide if you need more life insurance. Your debts may be gone or at least smaller, but you should think about whether you have any new duties, such as helping your children pay for college or taking out more loans. Think about whether you want to leave your family a little extra money when you die, or if you want to leave your spouse a retirement fund. Also, ask yourself if your family will be okay if you die suddenly and they lose your source of income. Will they be able to pay for your funeral, which can cost around $10,000 on average?

Your Options

Renew Your Policy

Your insurance doesn’t have to end at the end of your term because you can renew it. However, you should know that doing so will probably mean paying more in premiums because your premiums will be based on your current age and the results of a new medical exam. This choice is probably best for people who only need a couple-year extension.

Drop Your Policy

If you’ve paid off your debts and have enough money saved for retirement and costs related to your death, you probably don’t need life insurance longer. You can choose not to pay the renewing fee and let your insurance company know that you’re happy to let the policy end. 

Convert Your Policy

If your health isn’t great and you don’t want to get a term life insurance policy that requires a medical test, you can change your current policy to permanent life insurance. If you convert it, you’ll pay more than you were paying for your current term life policy, but you can control the cost by buying a smaller policy. This choice will work for you if you don’t need as much coverage, such as if you’ve paid off most of your debts.


Many term life insurance plans include a term conversion rider that lets you change your policy to a permanent policy before the term ends. Permanent life insurance, on the other hand, is generally much more expensive than term life insurance. Think about switching to a permanent policy only if your health has gotten so bad that you can no longer get standard coverage and you only want a permanent policy, like final expense insurance. This kind of coverage doesn’t require a medical test and pays out a small amount to pay for things like a funeral or medical bills at the end of life. If you decide to use the term “conversion rider,” you’ll need to make this change while your policy is still in effect. Start the process no later than the last year of your term.

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Buy a Brand New Policy

If you want to still have life insurance but don’t necessarily want to renew your current policy you can choose a new term life insurance policy with a different company. This is best if you’re still in good health because you will have to start the process over with a medical exam. Keep in mind your rates will be higher now that you’re older, and any new health problems that have come up since you first bought your original policy will also affect how much your premium will be.


When you buy a new term life insurance, you can choose a coverage amount and term length that fit your current needs. For example, if you have nine years left on your mortgage, a 10-year policy might make sense. And you don’t have to buy a new term policy; you can choose from a number of other types of life insurance. If you want to go this route, the best way to find a policy with the benefits you want at a price you can afford is to compare all life insurance policies from different companies in your area.


  • Can I get benefits from a term policy if I’m still alive?

Term life insurance isn’t structured with a cash value, so it’s not meant to give you a return on your money. Instead, it gives you peace of mind about your money. One of the reasons term life insurance is so cheap is that it only pays out money if you pass away. Most term policies work the same way as other types of insurance such as health or car insurance. For example, even if you were a great driver, your car insurance wouldn’t give you any money back. There are, however, two situations where you can get money from your term policy while you’re living.


A Return of premium life insurance is a term life insurance policy that will give you back some of the money you paid in premiums if you outlive your policy. These policies can be two or three times more expensive than a regular term life insurance policy though. Most people would be better off putting the difference in payments away or investing it. The other option is a living-benefits rider. This is a rider you can add to your term life insurance policy when you originally sign up. Your premiums will again be higher but if you have a critical or terminal illness you can withdraw from your death benefit to pay your medical bills. This choice is typically used for end-of-life care, but keep in mind it will lower the death benefit your beneficiaries will receive after you pass away.

  • Can I Just Cancel My Policy?

When you cancel a term life insurance, most of the time your coverage ends, and you don’t get any of your premiums or benefits back. There are no termination fees for term life insurance. You don’t have to pay anything extra if you decide to stop your service. The only other way to get a refund when you cancel traditional term life insurance is to do it during the “free look” time, which is usually 10 to 30 days after your coverage started. Your policy papers will tell you how long you have to look at the policy for free.

  • How Long Should My Term Policy Last?

Think about how long you will have your current financial obligations and use that as a guide to figure out how long your life insurance policy should be in effect. You should choose a term length that is long enough to cover all of your big financial obligations, but not so long that you end up paying for safety you don’t need. 


For example, if you have a 20-year debt such as a mortgage, you have to pay it back over that time. To cover your mortgage payments, you should look for an insurance with a term of at least 20 years. If you have kids, you should think about how many years it will take for them to be able to support themselves financially, as well as how much money you will need to pay for their needs.

Need Help?

While all of this information is helpful, it can be a little overwhelming to sort through when you’re trying to choose what to do. Everyone has different wants, priorities, and limits on how much money they can spend. We at EZ know that you want the best security for you and your family without having to spend a lot of money. We work hard to make it as easy as possible for you to buy insurance. Our staff is always ready to help you and all of the things we offer are free. We can help you with anything, from answering the most basic questions to helping you choose insurance. Our agents can also help you with the sign-up process, and any help you need after that is free of charge. To get started, just type your zip code in the box below or call us at 877-670-3560.

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Who Needs Life Insurance the Most?

Life insurance is one of those things that you know is a good idea but is also easy to forget about or put on the back burner. Having a policy is a necessity, though, for everyone from those who are just starting out in life to retirees – it’s just that your needs are different. But exactly which group or life stage needs it the most?person in yellow shirt holding a white paper cut out of a family with two parents and two kids with the article title

The Need for Life Insurance

When it comes down to it, it’s not about your age when it comes to life insurance. It’s about who is in your life. If you have a spouse or partner, children, or a business partner, you are in the group of people that has the biggest need for life insurance. 

As we already said above, life insurance is a necessity no matter what stage of life you’re in. But this is especially true if you have anyone who relies on you financially. Even if you think you don’t need a policy because you’re young and healthy, or if you don’t think that the cost is worth it, you need to consider the financial consequences of your death on your family. They have to pay for your funeral services, your debts, and any other bills that they relied on you for. 

And what if you’re older and retired with grown children, but a partner still living? You’ll still be in the group that has a high need for coverage. Remember, your partner will still have expenses after you are gone, including your final expenses and any medical debts that you leave behind.  

Your loved ones can use the proceeds from a life insurance policy in a variety of ways, including:

  • Covering funeral and burial expenses
  • Paying off any outstanding debts owed by your estate
  • Creating a supplemental source of income for your loved ones
  • Helping with college expenses for children or grandchildren
  • Providing a nest egg of savings for a spouse’s financial needs

Types Of Life Insuranceillustration of two people looking at the word options written in orange

It’s clear that anyone who has someone who relies on them financially is in serious need of life insurance, but the type of policy that is best for your life stage or situation will vary. You should look into the following types of policies:

Whole Life Insurance

A whole life insurance policy remains in effect for the entire life of the policyholder, as long as you keep up with the premiums payments. With this type of policy, premiums will remain the same throughout the life of the policy and will not increase for any reason. One of the best things about this type of policy is that it has a cash value component. Meaning your policy will build tax-deferred cash over time at a guaranteed rate of interest. 

Whole life insurance is best for people who want a longer policy with a cash value that they can borrow from. So one of these policies might be right for you if you’re younger and have children who will one day go to college, since you can borrow money from your policy. Be aware that you must undergo a medical exam to qualify for a whole life policy, and that these policies are more expensive than term-life policies.

Term Life Insurance

Term life insurance is one of the most affordable types available. But these policies only cover you for a limited period of time (or term), generally anywhere between 5-30 years. This type of policy is best for people who want affordable coverage for large expenses such as mortgage payments, college tuition, and other debts, usually those who are younger or middle-aged and want to be able to replace income in case of an unexpected death. One of the great things about term life is you can convert your policy to permanent life insurance before it expires without having to go through medical underwriting again.

Final Expense Insurance

Final expense insurance is generally bought to cover funeral expenses, burial expenses, and any other medical debts you may have. There is no medical exam required, and it is relatively affordable, but the death benefits are usually capped at $35,000. These policies are great for older people or those in poorer health, who might have difficulty getting another type of policy, but still want something to help their loved ones cover their final expenses.

Joint Life Insurance

Joint life insurance will provide coverage for both you and your partner. You can choose from a universal or whole life policy. But the death benefit is usually not paid out until both policyholders have passed away. A lot of couples will choose this option because it is cheaper than purchasing two separate policies. And the underwriting and rates are based on the younger and healthier partner.

How Much Coverage Do You Need?underview of several multi-colored umbrellas

To determine how much coverage you need, you’ll have to take into consideration two major factors:

  1. Income replacement – Decide how many years of income you would like to replace for your family, then take that number and multiply it by your annual income.
  2. What will need to be paid off – Add up all the debt that you currently have, including mortgages, credit card debt, bank loans, and any other debt. Once you’ve calculated that amount, add it to the income replacement amount.

Looking For A Life Insurance Policy?

Whether you are young or old, it’s important to consider life insurance to protect your loved ones and your assets. And it doesn’t matter if you are in your 20s or 50s. There are many great affordable policies to choose from that will provide enough money for your family. The best way to find the right life insurance policy for you and your specific needs is by working with an agent who specializes in life insurance. We have provided the top life insurance companies in the nation below; each offers hassle-free assistance and the most competitive rates. Always check multiple sites to make sure you have bargaining power and know the advantages of each company. Make sure a hard time isn’t made harder by a financial burden, check life insurance rates today.

Life Insurance for Dual-Income Families

In many cases, people think that only the breadwinner of a family needs to have a life insurance policy, since they bring in most of the family’s income, and it is their income that would need to be replaced. But what about families in which both partners make an equal income? Do both spouses need life insurance, and if so, which policy is best for dual-income families?

Why Dual-Income Families Should Have Life Insurance

If you and your partner both have an income, you both equally contribute to paying the bills and taking care of the debts that accumulate in your household. Your family is accustomed to living with both incomes, and losing one could seriously impact your family’s financial stability. When both income-providing partners have life insurance, this can help pay for funeral costs and offset the lost income from either spouse. 

Whether you are the breadwinner of the family or not, it’s important to have a life insurance policy for: hundred dollar bills

  • Financial stability- A policy will ensure that your spouse or children will not have to deal with outstanding debt or bills, or with worrying about mortgage payments on their own without your income to balance it out.
  • Quality of life- Even if your spouse has an income, they might have to work more to maintain your family’s current lifestyle. They will be dealing with emotional and psychological stress alongside added bills such as childcare and more, which can add up.

What Type Of Life Insurance Should You Get?

When considering what type of policy both of you should get, one of the most important things to consider is whether you should get one policy together or separate policies. Consider the following options:

Joint Life Insurance

You do have the option to get separate policies, but you also have the option to get a policy that covers two people, known as joint life insurance. Joint life insurance is a type of universal life insurance, meaning that it is permanent life insurance, and so will remain in effect for your whole life. Depending on how your policy is structured, it might build cash value that grows, tax-deferred, over the life of the policy.

If both you and your partner need the same level of coverage, it may be less expensive to buy a single joint policy with the face value (benefit amount) you’re looking for, compared to two individual policies with the same face value. But you should be aware that, depending on the type of policy, once one policy holder passes away, and a claim is paid, the surviving partner will have to get a new policy to cover them.

Individual Life Insurance

Individual life insurance can be better suited to a couple that has a lot of financial needs, such as providing protection for young children or covering ongoing lifestyle expenses for the family. Another benefit is that individual insurance allows coverage to continue for surviving spouses, even if one of the spouses passes away and a claim is paid.

Individual policies are also a better option if you want coverage that is customized for each of you,  such as different benefit amounts or terms of coverage. But it is important to note that individual life insurance policies will have slightly higher premiums than a joint policy.person sitting with a notepad and a hand holding a lighbulb with a money sign on it

How Much Coverage Should You Get?

Once you’ve thought about what type of policy you and your spouse should get, you’ll have to think about the amount of coverage you should have. When looking for a policy that will give your family enough coverage, you should make sure the benefit amount is at least 10 times your annual income. In some cases, it might be appropriate to add an extra 15 to 20% just in case there are any extra death-related expenses and financial obligations that your spouse would have to take on, such as a mortgage, car payments, utilities, childcare, and more.

Need Help?

There are many great affordable life insurance options to choose from that will provide enough money for your family, for a low monthly price. The best way to find the right life insurance policy for you and your specific needs is by working with an agent who specializes in life insurance. We have provided the top life insurance companies in the nation below; each offers hassle-free assistance and the most competitive rates. Always check multiple sites to make sure you have bargaining power and know the advantages of each company. Make sure a hard time isn’t made harder by a financial burden, check life insurance rates today.

What is Direct Term Life Insurance?

We are living in a time when convenience is king, and you can shop and purchase anything with the click of a mouse or the touch of your finger. Many consumers now prefer to do their shopping online, even for things that traditionally needed to be done in person, like purchasing life insurance. This is especially easy to do these days, because there are now ways to do health assessments online for basic types of life insurance, like term life insurance

Policies known as direct term life insurance policies, or direct-to-consumer policies, can be purchased directly through an insurance company, typically through their website, and offer an easy and convenient way to get life insurance coverage.

Direct Term Life Insurance Explained

hand coming out of a laptop with a life saver giving another hand it
Term life is one of the most popular types of life insurance policies among families because of its affordability

Before we go over what direct term life insurance is, we will first review what term life insurance in general is. Term life insurance policies are policies that you can purchase to cover you for a set period of time, typically between 10 and 30 years. If you die during that time, your loved ones will receive your death benefit; if you don’t pass away during this time, you will need to either renew your policy or purchase a new one. 

Term life is one of the most popular types of life insurance policies among families because of its affordability. But if you choose direct term life insurance, you can get both affordability and convenience. With this type of policy, you can compare policies online and buy your policy directly from the insurer through their website, making the whole process more straightforward.

Is Direct Term Life Right For You?

There are some advantages to direct term life insurance, including:

  • Quick and easy coverage– If you shop online, you can purchase life insurance quickly, instead of having to make an appointment with a professional.
  • Convenience- Shopping for life insurance online allows you to fit the process into your schedule, and compare quotes on your time.
  • More options– You’ll find a huge amount of options to choose from, both in terms of life insurance companies and the policies they offer. You can find a variety of policies that are a better fit for you and your budget, depending on your age and health. And if you are not in the best of health, you can opt for policies that do not require a medical exam or medical bills
  • Cheaper coverage– When you buy a life insurance policy directly from an insurer, your policy might be less expensive. 

Need Help?

Direct term life insurance can save you time and money because you can find the right policy for you online, and can purchase a policy without having to make an appointment, or even talk to anyone over the phone. But, if you do want to speak to someone or have questions that need to be answered, you have the option of requesting to speak to an agent from one of the insurance companies. 

We have provided the top life insurance companies in the nation below; each offers hassle-free assistance and the most competitive rates. Always check multiple sites to make sure you have bargaining power and know the advantages of each company. Make sure a hard time isn’t made harder by a financial burden, check life insurance rates today.

Life Insurance Blood Tests and Alcohol Use

If you are considering purchasing life insurance, you might be aware that multiple factors go into determining your coverage and premium rates, including your health, driving record, and even your occupation, lifestyle, and hobbies. Your health is often the most important factor, and although not all life insurance companies require a medical exam, most of them, especially the ones that offer permanent or whole life insurance coverage, will require one. The medical exam will check your BMI, blood pressure, and the doctor will also do routine blood tests to check for certain issues that may affect your overall health, as well as check for signs of alcohol use. If you’ve opted for a permanent life insurance policy, it’s important to understand how blood tests work with the underwriting process, and how they affect your coverage.

Why Do Life Insurance Companies Require Medical Exams?

When life insurance companies decide to take you on as a customer, they also take on your risks, so they will need to know how much of a risk it is to cover you. They will want to know how healthy you are, and whether it is likely that they will need to provide coverage to you for a long time, or if they might only be providing coverage for a limited time because of your health conditions and lowered life expectancy. To determine this, insurers conduct a routine medical exam to determine your overall health, and will decide your premium rate based on your results.

The Importance of Blood Testshands in purple gloves with viles of blood next to it

The reason that you will have to undergo blood tests is that they are a very reliable way of determining your overall health and finding issues that can’t be seen with the naked eye. Blood tests can reveal genetic mutations, as well as underlying conditions, like high cholesterol, high blood sugar, liver and kidney problems, and even cancer.

Another thing to be aware of is that the blood tests you will be given will also reveal if your alcohol consumption is higher than average; even if you have simply consumed any alcohol before having your blood tested, your results could end up negatively affecting your premium rates. For example, your blood pressure will rise if you have consumed alcohol within the 12 hours before your appointment, and if you have been drinking heavily for a long period of time, you will be more likely to have health problems. In this case, if an insurer does approve you for a policy, you will have to pay a higher premium for your coverage.

To get the best possible results from your blood test, try not to consume any alcohol 48 hours before the exam, stay hydrated, and avoid caffeine. If you have a drinking problem, consider seeking help, which will not only benefit your health, but will also lower your life insurance rates.

If You Are Denied Life Insurance

Life insurance companies all rate the risk of different medical conditions in different ways. So if you are denied because of a medical condition, there might be another insurer that will provide you with coverage. Remember, too, that there are several different types of policies to choose from that will offer your family protection when you are gone. For example, if you get rejected for permanent life insurance, you could still apply for a different type of policy, such as term life insurance, simplified issue life insurance, or final expense life insurance. You will be accepted for simplified issue life insurance even if you have a pre-existing condition, because this type of coverage does not require a medical exam. The possibilities are endless when it comes to getting a life insurance policy, all you have to do is shop around and work with an agent.

Looking For A Policy?

circle with hands open and a family inside

Your family has financial obligations that will not go away when you’re gone; they will need your help more than ever with their expenses, and the last thing you want them to worry about is money while they are grieving. There are many great affordable life insurance options to choose from that will provide enough money for your family, for a low monthly price. The best way to find the right life insurance policy for you and your specific needs is by working with an agent who specializes in life insurance. We have provided the top life insurance companies in the nation below; each offers hassle-free assistance and the most competitive rates. Always check multiple sites to make sure you have bargaining power and know the advantages of each company. Make sure a hard time isn’t made harder by a financial burden, check life insurance rates today.