Life insurance is the only financial product that based on caring and love. It is import if you want to make sure that your loved ones will be taken care of after your death. Regrettably, you can’t control everything in your life. Acknowledging this fact can help you prepare better for all that your life may bring.
Most Americans need life insurance. To understand if you need life insurance, you need to think through the worst-case scenario. If you died tomorrow, how would your loved ones fare financially?
Would they be able to pay for your final expenses? Can they meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc? Without your contribution to the household, would your surviving spouse be able to save enough money to put the kids through college or retire comfortably?
It's always a struggle when you lose someone you love. But your emotional struggles don't need to be raised by financial difficulties. Life insurance helps make sure that the people you care about will be provided for financially, even if you're not there to care for them yourself. Life insurance can be a great part of your family safety net, especially if you have financial dependents.
It’s a contract in which the insurer undertakes providing your beneficiaries with a certain amount of money in the event of your death. You are eligible for life insurance quote depending on several factors such as your health and type of employment. If you qualify, the payments for your policy will be based on factors such as your age, gender, health and occupation.
- All types of life insurance coverage
- We provide quotes from trusted insurance companies
- No medical exam - just answer a few health questions
- Apply completely online – no paperwork
- There is no application fee.
At LifeInsurance Advisor, you can apply for your life insurance coverage completely online. From start to finish, everything you need to protect your family can be achieved from the comfort and privacy of your home or office computer.
Life Insurance Direct From Insurers You Can Trust
When you apply for life insurance at our website, you work directly with the people that make sure you receive the right coverage from the insurers who fit your personal needs best. You have our assurance that we will take the time to help you in finding life insurance from the insurers with the policy that is exactly right for you.
Generous Coverage Amounts
Whether you need $20,000 or $250,000 in life insurance coverage, you can get what you want in a very little period of time. The coverage amount you choose depends on what you can afford and what your family will need in the event that your death occurs. While it is unpleasant for some of us to consider, not considering buying life insurance policy might be even worse. Without the right coverage, your family could be left with mortgages, bills, and other loans that could leave them unable to pay on their own without ravaging existing savings.
No Medical Exams - Just Answer a Few Health Questions
Finally it’s possible to purchase affordable life insurance without a medical exam! Many people postpone buying life insurance policy, not because their health is bad, but because they’re uncomfortable with the idea of the required medical exam. Because life insurance should be an important part of every family’s financial plan, our website site features the ability to purchase generous amounts of life insurance without taking a medical exam. Skip the medical exams & skip the long application forms! Skip the mail delays! Just answer a few health questions. That is it! It's all right here and now. We offer affordable life insurance with guaranteed low rates. It doesn't get any easier or faster than this.
There are various types of life insurance but they all have some common attributes. You pay an insurance company what are called premiums. At your death, the life insurance company pays an amount to the people you named in your policy, called beneficiaries. Notice, that your beneficiary(ies) would receive the insurance amount free of income tax.
Some types of life insurance have cash benefits available while you’re living. In these types, a portion of your premium goes into a cash reserve and builds on a tax deferred basis. You are able to access this money, called cash value. Some people use it to cover education costs, enhance retirement cash flow or for other reasons. Two of the most common types of “permanent life insurance” are called whole life insurance and universal life insurance.
Whether you want to supplement your existing coverage or simply buy insurance to meet a specific need, we can help you find life insurance policies that have the flexibility to meet your personal needs.