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!

life insurance quote
Get a FREE, No-Obligation Quote!
Coverage Type
Coverage Amount
Coverage Term
about life insurance

Life Insurance Basics

life insurance quotesFounded in 1996, LifeInsurance.net makes it easier than ever to find the right insurance policy for your family. A nationally recognized life insurance agency, we bring our clients access to a large network of A and A+ rated life insurance companies. We strive every day to deliver value, financial security and peace of mind.

LifeInsurance.Net has been featured in YourMoney Magazine, Bests Review, Money Magazine, Forbes.com and elsewhere.

What type of Life Insurance Coverage do you really need?

Life Insurance comes in two basic flavors, Term Life Insurance and Permanent Life Insurance. If you are clear on WHY you need a life insurance policy, it is generally clear which kind of life insurance plan is appropriate for you.

Term Life Insurance Policies are disaster management tools.

Permanent Life Insurance Policies are inter-generational wealth transfer tools.

Term Insurance

If you are a parent, and have a spouse and children dependent on you for income it would be financially disastrous if you died prematurely. Term Life Insurance plans are designed as risk management tools to cover that financial loss. Term Life Insurance insures you against death for a specified number of years and then ends (the Life Insurance Policy Term).
e.g. If you buy a 10 year term life insurance policy and die in the eighth year, the carrier will pay the full life insurance benefit defined in the policy. If, however, you die in the eleventh year, the policy will have expired and you will have no life insurance coverage in force.
The cost of term life insurance is significantly lower than the cost of permanent life insurance policies, because statistically EVERYBODY OUTLIVES THEIR TERM LIFE INSURANCE POLICY. We often speak to clients who feel that they've wasted money if they don't die and collect on their term life policies.

We just remind them that Dying Is Bad.

Permanent Insurance

If you want to be sure that your life insurance is in force whether you live to 60 or to 90, then you need a permanent life insurance policy. You should never buy a term life insurance policy as part of an estate plan where you are counting on the cash becoming part of an inheritance. Often the least expensive option for pure insurance forever is a no lapse guaranteed universal life insurance policy.

At Life Insurance. Net we have years of experience working with families across the country on identifying their core life insurance requirements. We can provide competitive term life insurance quotes, or universal life insurance quotes from A and A+ rated life insurance companies in almost any state. Just fill out our online life insurance quote form or call us for a personal quote on life insurance for you and your family.

We believe that an educated consumer can ask the right questions and to find the best insurance solution. Our life insurance educational center will help you understand how insurance works, what carriers are looking for, and how you go about getting the life insurance policy that is right for you and your family.

Life Insurance and Divorce

life insurance and divorce

Divorce complicates everything. That isn’t news to anyone who has ever faced the stress of reconstructing the life of a family, often two, and sometimes three. So it shouldn’t be surprising that divorce has significant ramifications on your life insurance policies and needs.

Case Study 1: Joe and Laura – Treatment of Existing Life Insurance During Divorce

Joe and Laura have three children in their tweens when they get divorced. Joe has existing life insurance in force with Laura as the beneficiary. There are no contingent beneficiaries on the policy. Laura remarries, adopts her new husband’s two children and has an additional child with her new husband. Read more »

Life Insurance for a Scuba or Skin Diver

life_insurance_for_scuba_and_skin_divers

Life Insurance companies price their coverage based on their predictions of the risk that they will actually have to make a payment on a death claim.

The reason that term insurance is so inexpensive, is that carriers almost never have to pay a claim.  Actuarialy, young people (in the aggregate) are almost as immortal as they seem to think that they are.

So life insurance carriers tend to look closely at hobbies or activities that might move a potential insured from statistically safe to statistically scary.

Amongst the first questions we ask when we are talking to a customer about how to structure their life insurance coverage, is whether or not they have any hobbies which would scare an insurance company.
If your hobby is swooping (look it up, its the kind of thing that gets hard core sky divers dead) then we probably can’t get you covered. If you are a rodeo rider, then it matters whether you ride horses or bulls. Read more »

Life Insurance and BiPolar Disorder – You can get Life Insurance

life insurance for bipolar disorder

I regularly speak to people who assume that they can’t get life insurance coverage because of some pre-existing health condition. Recently I was approached by a gentleman who identified himself as being terminal, and on hospice care. Now that’s a case that even I can’t figure out how to get placed. But, short of terminal conditions, almost anybody can get life insurance. …

If you have a chronic condition like BiPolar disorder, but don’t have regular medical supervision and care, very few carriers will consider you for coverage. But if you have a long standing history with a well maintained, stable condition then it is generally possible to quote you on a life insurance policy with a top rated life insurance company. Read more »

Estate Planning – No Family Wants to Plan for This

estate planning life insurance

This World is but an Entry Hall to the World to Come. Prepare Yourself in the Entry Hall so that You Might Enter the Banquet Hall. When people come to the end of the end of their days, they need to wrap up their affairs in this world, and prepare themselves for the next. Proper estate planning, and ElderCare/HealthCare Planning can help them leave an orderly financial legacy for their families when they move on.

All transitions are difficult, and none is more difficult to face than the passing of a generation. It is only natural that many people avoid any type of planning. In middle age the prospects of death are remote and unreal, and greater challenges take precedence. In early retirement years, families often don’t want to face the idea of eventual mortality. In later years, as health fails, the prospect of passing becomes all too real, and way too frightening to face. Read more »

Massachusetts Term and Universal Life Insurance Quotes

massachusetts-life-insurance

Massachusetts Life Insurance Resources

Universal Life (UL), also called “Flexible Premium Adjustable Life Insurance,” entered the life insurance market in the early 1980s as a more flexible version of Whole Life Insurance. Like Whole Life, UL features a savings element that grows on a tax-deferred basis. A portion of your premiums are invested by the insurance company in assets like bonds, mortgages and money market funds. The return on the investments is credited to your policy tax-deferred. A guaranteed minimum interest rate applied to the policy (usually around 4%) means that, no matter how the investments perform, the insurance company guarantees a certain minimum return on your money. If the Massachusetts life insurance company does well with its investments, the interest rate return on the accumulated cash value will increase.

Massachusetts Department of Insurance: The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Massachusetts Life insurance market..
Department of Insurance

Massachusetts Life & Health Insurance Guaranty Fund – The state life insurance guaranty association works to guarantee the safety of all Massachusetts Life Insurance coverage, even in the face of an insolvency by a member life insurance company.
Life Insurance Guaranty Association

Read more »

California Term and Universal Life Insurance Quotes

california-life-insurance

Getting California Term  Life Insurance Quotes is like leasing a car. You purchase death benefits for a specified period –usually 5, 10 or 20 years. When the period is over, it’s like turning in the leased car. The deal is done and you walk away. Term insurance pays a specific lump sum to your designated beneficiary if you should die during the term of the policy. The policy protects your family by providing money they can invest to replace your salary, and to cover immediate expenses incurred by your death. Term life insurance is best for young, growing families, when financial needs are especially low. Buying Permanent insurance- either universal or whole life insurance-  in California is like buying a car you plan to drive forever.  As long as you pay the proper premiums, permanent insurance stays in force as long as you live. It provides protection for your dependents by paying a death benefit to your designated beneficiary upon your death. In addition, a portion of your premiums are deposited into a tax-deferred cash value account that you can use while you are alive. Whole Life, Universal Life and Variable-Universal Life are examples of permanent life insuranc

Contact Us:

Life Insurance.Net California Insurance Agency Offices
310-246-51995361
California State Life Insurance License Number: 0d75361
Read more »

Maine Term and Universal Life Insurance

maine-life-insurance

Maine Life Insurance Resources

Term Life Insurance is temporary life insurance protection for a specific period of time. Think of it as “plain vanilla” or “pure” life insurance protection. The premium on a Term policy is low compared to other types of life insurance because it builds no cash value; you pay only for the cost of insurance (C.O.I.). The C.O.I. is the amount of money the insurance company charges to keep your Maine Term and Universal Life Insurance policy in force, depending on your age and health at the time you apply for coverage. Under a Yearly Renewable Term policy, the C.O.I. is determined at the time you apply and increases at each policy anniversary (as you get older, it becomes more expensive to insure your life). Under a Level Term policy, the C.O.I. remains level during initial guaranteed period and then increases sharply.

Maine Department of Insurance: The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Maine Life insurance market..

Read more »