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.

Life Insurance and BiPolar Disorder – You can get Life Insurance

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 »

South Carolina Term and Universal Life Insurance

South Carolina Life Insurance Resources

South Carolina Term and Universal Life Insurance allows you to choose from two death benefit options. Option A pays the death benefit out of the policy’s cash value; the more cash value you build up means the company is on the hook for less insurance (and therefore costs less). Option B pays the face amount stated in the contract, plus any cash values you accumulated over the years (costs more). Many UL policies today offer a no-lapse guarantee: as long as you pay the minimum designated premium, the policy will stay in force to age 100 (or even to age 120). However, paying the minimum guaranteed premium is rarely sufficient to build up significant cash values.

South Carolina 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 Carolina Life insurance market..
Department of Insurance

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

Read more »

Oklahoma Term and Universal Life Insurance

Oklahoma Life Insurance Resources

Clearly, life insurance has many uses. Its main use for families is to protect dependents from the financial burden of the early death of a breadwinner. About seventy percent of American adults have some form of life insurance.
Without a breadwinner, a family may not be able to meet mortgage payments, provide for college, or prepare for retirement. Moreover, families with young children often have the greatest need for Oklahoma Term and Universal Life Insurance. If both spouses work outside the home the loss of even one income may cause the family tremendous financial hardship.
Oklahoma Department of Insurance  РThe state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the Oklahoma Life insurance market..

Department of Insurance

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

Read more »

Michigan Term and Universal Life Insurance

Michigan Life Insurance Resources

Clearly, life insurance has many uses. Its main use for families is to protect dependents from the financial burden of the early death of a breadwinner. About seventy percent of American adults have some form of life insurance.

Without a breadwinner, a family may not be able to meet mortgage payments, provide for college, or prepare for retirement. Moreover, families with young children often have the greatest need for Michigan Term and Universal Life Insurance. If both spouses work outside the home the loss of even one income may cause the family tremendous financial hardship.

Michigan 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 Michigan Life insurance market..
Department of Insurance

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

Read more »

Illinois Term and Universal Life Insurance

Illinois Life Insurance Resources

Term Life Insurance pays a specific lump sum to your designated beneficiary if you die within the period covered by the Illinois 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.

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

Read more »