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!

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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.

Pennsylvania Term and Universal Life Insurance

Pennsylvania Life Insurance Resources

Survivorship Policies
Survivorship life insurance insures two people, usually a husband and wife, and provides a death benefit to the beneficiaries at the death of the second insured. These plans are primarily designed to provide cash for estate taxes or for business costs that must to be paid after both insureds have died.

Survivorship insurance contracts can be structured as ordinary life, graded premium life, or universal life policies. An important advantage of a Pennsylvania Term and Universal Life Insurance. survivorship contract is that its coverage costs less than the premiums for two separate policies with an total amount equal to the survivorship policy’s death benefit. More liberal underwriting means the policy can be written even if one party has significant health issues.

Pennsylvania 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 Pennsylvania Life insurance market..

Department of Insurance
Pennsylvania Life & Health Insurance Protection Association: The state life insurance guaranty association works to guarantee the safety of all Pennsylvania Life Insurance coverage, even in the face of an insolvency by a member life insurance company.

Life Insurance Guaranty Association

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Wisconsin Term and Universal Life Insurance

Wisconsin Life Insurance Resources

Life insurance is a contract between you and an insurance company and is a way to protect your family in case of your death, by providing funds to pay outstanding bills, taxes and income loss. Under a Term Life contract, the insurance company promises to pay your beneficiaries a sum of money in the event that you die within a period of time defined in the contract (such as 5, 10, 15, 20 or 30 years). Under a Permanent Life contract, a portion of the money you pay in premiums is invested in a fund that earns interest on a tax-deferred basis. Over time, your policy will accumulate a “cash value” that you can use. For instance, you can borrow against the value of your policy. Moreover, you can design a Permanent Life contract that will accumulate enough cash so as to be “paid up” by a certain age (e.g., “Paid Up Age 65”). To learn more, you can get Wisconsin Term and Universal Life Insurance.

Wisconsin 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 Wisconsin Life insurance market..
Department of Insurance

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

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Arkansas Term and Universal Life Insurance

Life insurance is a contract between you and an insurance company and is a way to protect your family in case of your death, by providing funds to pay outstanding bills, taxes and income loss. Under a Term Life contract, the insurance company promises to pay your beneficiaries a sum of money in the event that you die within a period of time defined in the contract (such as 5, 10, 15, 20 or 30 years). Under a Permanent Life contract, a portion of the money you pay in premiums is invested in a fund that earns interest on a tax-deferred basis. Over time, your policy will accumulate a “cash value” that you can use. For instance, you can borrow against the value of your policy. Moreover, you can design a Permanent Life contract that will accumulate enough cash so as to be “paid up” by a certain age (e.g., “Paid Up Age 65”). To learn more, you can get Arkansas Term and Universal Life Insurance

Arkansas 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 industry.
Department of Insurance

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Phoenix Arizona Life Insurance Agency

Phoenix, the capital city of Arizona, is the largest state capital in the United States, with a greater population than any other state capital or Washington, D.C. But its a young city, with more than 50 percent of the population is between 18 and 54 years of age. Life Insurance. Net has offered universal and term life insurance for Phoenix Arizona residents since August 2003. Our life insurance carriers for Arizona include Lincoln Benefit Life Insurance, Banner Life Insurance, TransAmerica, MetLife, American General, SBLI, Protective, ING Reliastar life insurance, North American, Prudential and Mutual of Omaha.

Complete our online life insurance quote form for Phoenix AZ residents, or Call us direct at (480) 467-3105 and we can review with you the various types of life insurance available. Our Arizona license number is 158738 Read more »

Nebraska Term and Universal Life Insurance

Nebraska Life Insurance Resources

Life insurance is a contract between you and an insurance company and is a way to protect your family in case of your death, by providing funds to pay outstanding bills, taxes and income loss. Under a Term Life contract, the insurance company promises to pay your beneficiaries a sum of money in the event that you die within a period of time defined in the contract (such as 5, 10, 15, 20 or 30 years). Under a Permanent Life contract, a portion of the money you pay in premiums is invested in a fund that earns interest on a tax-deferred basis. Over time, your policy will accumulate a “cash value” that you can use. For instance, you can borrow against the value of your policy. Moreover, you can design a Permanent Life contract that will accumulate enough cash so as to be “paid up” by a certain age (e.g., “Paid Up Age 65”). To learn more, you can get Nebraska Term and Universal Life Insurance

Nebraska 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 Nebraska Life insurance market.

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

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