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Life Insurance policies vary greatly from one person to another. At Insurance Best Prices, we make shopping for life insurance easy, allowing you to compare trusted life insurance carriers in minutes.

What is life insurance?

Life insurance is defined as a contract between a policyholder and an insurance company. A life insurance policy provides financial support to your loved ones if anything should happen to you. Funeral costs can be in the thousands of dollars, then there is settling your debts, inheritance taxes, and other expenses your loved ones could take on after your passing. A life insurance policy gives you the peace of mind that your loved ones are taken care of.

The two most common types of live insurance are term life insurance and permanent life insurance. How much life insurance you need and the type varies from person to person based on your personal needs and financial situation. That’s where Insurance Best Prices can help.

At Insurance Best Prices, we help you determine what type of life insurance is right for you and how much you should invest. We partner with well-known, highly trusted, and top reviewed insurance companies to provide you with the coverage you need. You can compare life insurance policies in minutes from the comfort of your home or while you’re on-the-go. Find the right carrier at the right cost now.

How does life insurance work?

How does life insurance help your family and loved ones? Not only does a life insurance policy help cover end-of-life expenses, it also replaces any lost income for immediate and future expenses. On average, people look to get coverage that is 10 to 12 times more than their current income. You can use a life insurance calculator to get a better idea of how much coverage you need or speak to one of our agents.

A life insurance policy serves as a safety net for those you leave behind. You can rest assured knowing that your loved ones can still cover expenses like the mortgage, college tuition, rent, utilities, and other everyday expenses. We can help you find the right amount of coverage for you and your family.

What are my life insurance policy options?

Term life insurance policies are typically the most common, because they are the most affordable. However, cost isn’t the only factor that goes into choosing the right life insurance policy for you. Learn more about the different types of life insurance coverage.

Term Life Insurance

This is the most affordable type of life insurance. It’s an easy option for a person looking for a lower premium. If you don’t have a lot of disposable income, a low premium can be appealing. Term life insurance provides more flexibility and allows you to choose how long you want to be covered for.

Permanent Life Insurance

If you have a lot of investments, properties, or other complex financial situation, this might be the right option for you. Permanent life insurance offers benefits like having a cash value that can be borrowed against during your lifetime. That means that if you are need of cash during your life, you can borrow against your life insurance policy for the funds you need. However, permanent (also known as whole life) insurance policies can be six to ten times more expensive than a term life insurance policy.

How much life insurance coverage do I need?

One way to determine how much coverage you need is to think about how much financial support your dependents would need if something were to happen to you. You would calculate immediate and future financial needs to determine what amount would be needed to cover costs including funeral expenses, housing, education, etc. Another factor in how much coverage you need, is how much you can afford.

How to buy the right life insurance policy

Shopping for life insurance can be confusing and stressful. A life insurance policy is an important contract that can determine how your loved ones are cared for after you are gone. That’s why it’s so vital to make the right decision when it comes to your policy, provider, and amount of coverage. Insurance Best Prices can help you comparison shop, compare life insurance quotes, and find the best provider for your needs. Complete a quick form on our site to receive quotes from trusted life insurance companies and find the right life insurance policy for you.