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A well-planned life insurance policy enables your loved ones to cover their immediate cash needs in the event of your death, but should also replace your income so that your family maintains their current standard of living. We believe in providing families with a benefit that can be invested conservatively, generating interest earnings sufficient to pay monthly expenses.

Life Insurance.net is the easy way to get a Term, Whole,or Universal Life Insurance quote that's designed for you. We invite you to take the first step toward a more secure future!

Term Life Insurance – Because dying is really a bad thing.

term-life-insurance

Since LifeInsurance.Net launched in 1999 as a place for serious consumers to get answers on life insurance, we’ve helped hundreds of thousands of reasonable, responsible adults get answers, advice and quotations on life insurance policies. Yet, almost every day I hear the same concern about term life insurance: “If I buy term life insurance and I don’t die, I’ll feel cheated. I’ll feel like I wasted my money.” I have to remind them that, in fact, dying is a bad thing. Read more »

Finding an Insurance Company

finding a life insurance carrier

Because we are a national brokerage with a significant online life insurance presence, we seem to get calls everyday from consumers trying to find an insurance company.  The calls often arise when adult children are working through their parents papers and things after the funeral and they come across a long lost insurance policy and wonder if the company still exists.  As often as not the old company has merged into a larger carrier group.    Sometimes it can be difficult to find which carrier is currently responsible for honoring the policy.

To make it easier to find an old carrier,  here’s a list of 300 carriers licensed to do business as life insurance carriers in California.   If you want more information or contact info for the life insurance company search here:

If you want to know more about the company,  go here to the National Association of Insurance Commissioners where you can see the company’s complaint history, licensing profile and finances.  You will need the NAIC number listed next to the carrier below.  Read more »

Cholesterol and Life Insurance

Life Insurance and Cholesterol

Blood might be thicker than water,  but chemically it looks pretty much like an ocean puddle.  Cholesterol, like most oils, doesn’t mix well with water, and therefore needs some help traveling through the blood stream.  LDL (low density lipoprotein) is a fatty, messy chemical that tends to spread into a sticky paste as it moves through the blood.  As it flows through the bloodstream, it can catch on and stick to blood vessel walls.  Once a deposit starts , it tends to attract and hold additional material and build up into thick coatings or plaques in the blood vessels.  Nasty, high risk stuff.  HDL (high density lipoprotein) behaves differently.  HDL forms into self contained clumps  that move easily through the bloodstream  until they eventually arrive in the liver where they are filtered out and removed from the body.  Even better,  because oily molecules attract each other,  the HDL moving through the bloodstream tends to grab onto some of the LDL floating by , taking it along to the liver to be cleared from the system. Read more »

About LifeInsurance.net

Founded in 1996, LifeInsurance.net makes it easier than ever to save on life insurance. We give consumers access to a large group of highly-rated insurance companies that deliver value, financial security and peace of mind. And LifeInsurance.net is is committed to strong privacy standards — your personal information is strictly confidential and is shared with only one licensed professional who will make sure that your quote matches your individual needs.

We believe that an educated consumer is better equipped to ask the right questions and to find an appropriate insurance solution than one who is not. To this end, our life insurance educational center helps consumers assess their financial priorities and identify the types of life insurance, such as term life insurance and whole life insurance, that meet their needs. We combine essential tools for online investigation of insurance needs, such as an income replacement calculator, a library of life insurance articles that address insurance needs at different life stages, and links to other insurance and financial resources online.