Would your family be in financial ruin if you were to die today?

With Life Insurance Coverage you have the peace of mind that there will be no financial burden if you pass away unexpectedly.

Death is costly. While your family might not be financially ruined if you were to die, they could experience financial hardship if you don’t have life insurance coverage. Life insurance pays out a death benefit when you pass away, protecting your loved ones from facing major debt when you die.

Give your family the gift of financial stability during a very vulnerable time.

How does it work?

To ensure you get the best Life Insurance quote for your needs, the team at
Insurance Best Prices, follow a simple three step process -
Uncover, Connection, Solution.

Uncover

Help us match you with the right Life Insurance provider to meet your financial needs. Provide some general information about you and your current situation.

Connection

We’ll use this information to connect you with the right Life Insurance specialist. Get connected with the right person in less time.

Solution

A Life Insurance Specialist will get in touch with you to help you create a Life Insurance plan that makes sense for you and your family’s needs.

Learn How It Works

Who Needs Life Insurance

Imagine if your family were:

  • Not able to…Maintain the lifestyle that they are accustomed to, the lifestyle you have worked hard to establish
  • Not able to…Continue with the level of education for your children
  • Not able to…Service the mortgage of the family home, resulting in losing the home

The good news is that this does not have to be the reality for your family, the answer is simple. Invest in Life Insurance.

Don’t delay planning for your death. Failure to invest in life insurance could leave your loved ones in major debt.

But what Life Insurance suits me ?

The two most common types of life insurance are:

  • Term Life Insurance

    Term life insurance is flexible and the most affordable option.

  • Whole Life Insurance

    With Whole Life Insurance you don’t have to worry about your term ending, and your plan has actual cash value you can tap into.

Help loved ones cover your end of life expenses, funeral costs, mortgage payments and anything else you want to cover when you’re gone.

But what Life Insurance suits me ?

There are two main life insurances…Term Life Insurance and Whole Life Insurance, and they are different.

Term life insurance lasts for a specific, predetermined term typically 10, 15, 20, 30, or 35 years. It is the most popular type of life insurance, because it is the most affordable.

Whole life insurance lasts a lifetime, so you don’t have to worry about it expiring before you die. In addition, whole life insurance policies hold cash value, which you can access and use to cover expenses while alive.

If you are not sure what Life Insurance is right for you, then let us help.

Those that don’t have Life Insurance
coverage have two options…

They can hope they die when they have enough money put away to
cover debts, hospital bills, funeral costs, and so on…

Or

They can invest in Life Insurance and not have the guilt that they’re leaving loved ones with additional bills and expenses associated with their death. Dying is expensive. There are many unexpected costs associated with a person’s passing that can lead to high-interest debt if the deceased doesn’t leave behind the funds to cover their death expenses.

You’re not alone if you’ve never thought about these expenses or thought you could put them off, but when you die you will have costs associated with the following:

The Funeral Service

Burial or cremation

Medical bills

Nursing home costs

Debt pay off

And more…

Everyone should consider investing in Life Insurance

Life Insurance helps shield family members from financial stress while coping with loss. It also ensures that loved ones are taken care of in case of your untimely death. Investing in life insurance means that your family won’t have to worry about who pays for what when you pass. If you should die tomorrow, your beneficiaries would receive the policy death benefit and use it to cover costs.

Testimonials

They made it so easy to find the right
plan for me.

Samantha Powell

I feel better knowing my family
won't be burdened.

Matt Foster

They helped me understand life insurance and choose the best plan.

Connor Shields

Life Insurance gives you one final opportunity to look after your loved ones

Think of Life Insurance as an emergency fund that is held until you die and used to cover the expenses you leave behind. Don’t leave your family with thousands of dollars of debt. Help them through this difficult time.

Life Insurance provides your family
with financial security.

Insurance is like an umbrella of certainty and safety

Without Life Insurance

  • Financial hardship for your family
  • High out of pocket expenses
  • Lingering guilt that you're not prepared
  • Uncertain future

With Life Insurance

  • Covered end of life, funeral and other costs
  • No additional debt for your loved ones
  • Peace of mind you’ve done the right thing
  • Security for you and your family

People just like you are using Insurance Best Prices to
get a Quote for Life Insurance

Frequently Asked Questions

Term life insurance lasts for a specific, predetermined term typically 10, 15, 20, 30, or 35 years. It is the most popular type of life insurance, because it is the most affordable. Whole life insurance lasts a lifetime, so you don’t have to worry about it expiring before you die. In addition, whole life insurance policies hold cash value, which you can access and use to cover expenses while alive.

With whole life insurance you will have lifetime coverage that doesn’t expire after a certain amount of time. Your premiums are set, so you will know exactly how much you need to pay in premiums for the lifetime of your policy. Unlike term life insurance, whole life insurance policies have cash value. Once you make a certain amount of premium payments and your policy reaches a specific age, you can borrow against your policy’s cash value and even use the funds to cover your premium payments.

There are many benefits to term life insurance. You can choose a policy term that makes sense for you. It’s affordable, because you’re only paying for a certain amount of time. You can qualify even with a pre-existing condition. The death benefit is tax free, so you have the peace of mind knowing that your family will receive the entire amount in your policy.

Yes, term life insurance is the most popular type of life insurance, because it’s the most affordable and flexible. The price you pay depends on a variety of factors, including the term you choose. You decide how long you want your term to be.

The typical terms for a term life insurance policy are 10, 15, 20, 30, or 35 years. You may be able to turn your term life policy into a whole life policy depending on your insurance company.

If you die during the policy term, your insurance provider will pay your policy value to your selected beneficiaries. This amount is generally not taxable and can be used to cover everything from mortgage debt and other debts to funeral and healthcare costs.

Yes, your premium payments are fixed. Having fixed payments provides financial security. You won’t have to worry that your premium payments will increase in the future.

With term life insurance, policyholders can generally choose how they want to pay their premiums whether that’s monthly, quarterly, semi-annually, or annually.

Staying on top of your health can help reduce your life insurance premium. Reducing your cholesterol and blood pressure ahead of your insurance medical exam can make a difference in what you’ll end up paying. Knowing what amount of coverage you need ahead of applying can speed up the process. Think about what expenses you want to cover when you die including any mortgage payments, education for dependents, end-of-life expenses, funeral costs, etc.

Whole life insurance is the more expensive option for life insurance coverage, because it lasts the rest of your life. If you want to build a savings or have the ability to borrow against your policy, whole life insurance could be the best option for you. If you have an estate, whole life insurance can make it easier to leave money to loved ones.

Life insurance policy premiums are typically based on your health. The healthier you are, generally the less you pay in life insurance premiums. Therefore, the best time to buy a whole life insurance policy is when you are young and in the best shape.

Your Whole Life Insurance death benefit is separate from the cash value you build in your policy. Your cash value will not be paid out to beneficiaries if you die before using it. You can use your cash value to cover premium payments, but don’t let your cash value get to $0.

Yes, you can earn interest at a fixed rate.

Yes, you can increase your cash value by making more than your scheduled premium payments.

The best way to know you have the best coverage for your financial needs is to compare quotes. Insurance Best Prices makes it easier to shop for Whole Life Insurance online.