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.

Tobacco or Not Tobacco – That is the (Life Insurance) Question

Can you find the smoker in this picture?
Michael is having a great day, in the middle of a great month. He lights up a celebratory cigar and grabs a beer. His buddy James won’t light up with him, because James quit smoking almost a year ago, and doesn’t want to touch any tobacco product. So who do you guess is the smoker?

JAMES. Read more »

Life Insurance Medical Exam

One of the first steps in getting life insurance is taking your insurance physical. For most carriers it is a simple exam that can take place in your home or office. You will generally be asked to give a blood and urine sample, and in some cases you will be need to have an EKG. The EKG is a simple test of your heart’s rhythm. The nurse will put half a dozen small stickers on your legs and chest, snap on small data cables and hook up an EKG printer which will record your hearts pattern. If you are marginally overweight, you might benefit from standing tall and doing your weigh in wearing only shorts or underwear. Read more »

Simple Life Insurance Needs Analysis

One of the primary uses of life insurance is a replacement of income in the event of an untimely death. In most cases a term life insurance policy is the most effective tool for this kind of “disaster management” insurance policy. The question then arises, How much insurance do you need? Simply put, you need to leave your spouse enough to cover the shortfall between the working cash she’ll earn, inherit or win in Vegas and the costs she’s likely to face over the rest of her life. Here’s a quick 2 minute estimator: Read more »

How to Find a Missing Life Insurance Policy Fast

Experts say that more than one-fourth of all life insurance benefits are never claimed. If no one knows where the policy is or better yet, if one even exists, then how can a beneficiary claim the money? If you are struggling to find out if a life insurance policy ever existed, then you may have already tried searching the internet for the following terms: Read more »

Life Insurance Living Benefits

Life Insurance — Reaping the Benefits While You are Living The most obvious purpose of life insurance is protecting the family’s financial security in the event of a policy holders death. Yet many are unaware that with a little planning and proper decision-making, the holders of certain whole life insurance policies can use funds for emergencies, investing and other opportunities.
Facts You Should Know about Whole Life Insurance: Read more »