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.

South Dakota Term and Universal Life Insurance

South Dakota Life Insurance Resources

When you use South Dakota Term and Universal Life Insurance to replace income for your survivors, you might need to replace that income for a lifetime. If the surviving family was a two-income family, it takes time to adjust to one paycheck. If the insured was the sole wage earner with young children at home, the surviving spouse may need

  • Income while children under age 18 are still at home and dependent
  • Funds to meet college expenses
  • Income after the youngest child reaches age 18 until the surviving spouse reaches retirement
  • Additional income after the survivor retires and receives Social Security or a pension.

South Dakota 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 South Dakota Life insurance market.  Department of Insurance

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

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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 »

Washington Term and Universal Life Insurance

Washington Life Insurance Resources

Your need for life insurance can change over a lifetime. At any age, you should consider your individual circumstances and the standard of living you wish to maintain for your dependents. In most cases, you need life insurance only if someone depends on you for support. Your Washington Term and Universal Life Insurance premium is based on the type of insurance you buy, the amount you buy and your chance of death while the policy is in effect.

Washington 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 Washington Life insurance market.. Department of Insurance

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

Wyoming Term and Universal Life Insurance

Wyoming 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 Wyoming Term and Universal Life Insurance .

Wyoming 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 Wyoming Life insurance market..
Department of Insurance

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

Read more »

West Virginia Term and Universal Life Insurance

West Virginia 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 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.For more information, please visit West Virginia Term and Universal Life Insurance.

West Virginia 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 West Virginia Life insurance market..
Department of Insurance

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

Read more »