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.

New York Life Insurance Agent and Broker

New York Life Insurance

Like all things in New York, New York life insurance is a bit different here than anywhere else out of town. Most major carriers have stand alone subsidiaries which operate only in New York. We are proud to be an independent agent and broker for some of the leading New York Life Insurance carriers including Genworth, William Penn, MetLife, Pacific Life and others.

Buying a New Life Insurance Policy in New York

As a licensed agent and broker, our managing agent Howard Witkin can provide you with either straightforward advice and immediate quotes, or detailed guidance on how life insurance fits into your overall financial strategy. You can request a New York Life Insurance Quote Online or pick up the phone and

For a personal life insurance quote or needs analysis contact us directly at (917) 832-1831. Our New York License number is LA-506775.

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What Is Life Insurance – Part 1: Personal Uses of Term Life Insurance

What is life insurance?

Term Life Insurance is an income replacement and disaster management tool. If your family depends on your income, then you need to manage the risk of losing that income. One strategy for managing the risk is ignore it, whistle a happy tune and look the other way. Alternatively, you can try to get a handle on the economic costs of dying and pay someone else to carry the financial risk for you. That’s where term life insurance comes in. So what are the costs of dying? There are five primary financial burdens your family will face in your absence. Life insurance can be used to cover those costs.

Income Replacement:

If you have family members who count on you to cover the costs of daily living, then you need to consider what would happen to them if your income suddenly disappeared. How would they pay for food, clothing, utilities, transportation, little league and piano lessons. Read more »

Montana Term and Universal Life Insurance

Montana Life Insurance Resources

Term Life Insurance pays a specific lump sum to your designated beneficiary if you die within the period covered by the Montana Term and Universal Life Insurance 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 Insurance is best for young, growing families, whose financial needs are especially high but whose resources are often insufficient to cover those needs.

Montana 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 Montana Life insurance market.

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

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Maryland Term and Universal Life Insurance

Maryland Life Insurance Resources

Whole Life Insurance is permanent Maryland Term and Universal Life Insurance protection for your entire life, usually to age 100. A Whole Life policy is contractually guaranteed not to lapse, provided that you pay sufficient premiums each year to keep the policy in force. Besides permanent lifetime insurance protection, Whole Life Insurance features a savings element that allows you to build cash value on a tax-deferred basis. A portion of the premiums you pay build up the savings element of the policy and are invested by the company. The interest rate return on your investment is added to the savings portion of the policy. This is how the policy builds cash value. In addition to crediting your policy with interest, “participating” policies issued by mutual insurance companies may also give you the opportunity to earn dividends. Dividends are a NON-guaranteed return of part of the premium intended to reflect a company’s favorable operating experience.

Maryland 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 Maryland Life insurance market.

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Minnesota Term and Universal Life Insurance

Minnesota Life Insurance Resources

Universal Life (UL), also called “Flexible Premium Adjustable Life Insurance,” entered the Minnesota Term and Universal 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 insurance company does well with its investments, the interest rate return on the accumulated cash value will increase.

Minnesota 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 Minnesota Life insurance market.

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

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