Security against the unexpected.

Live life with less worry.

Life insurance means your family is cared for if you’re not here. Life insurance means better sleep and a better future.

No junk mail. No spam. No cost.

The security of being sure.

You’re in good company. No one wants to think about life insurance. But everyone wants to protect their family. Take the step so that you can stop thinking about it.

As life goes on … and expands … and changes, our needs and the way we think about the future also change. For example, getting married or having a child naturally take our thoughts to the future – a future that includes some uncertainty from which we want to protect the people we love.

Life insurance does exactly that. It puts in place a safety net against the future’s uncertainty and lets you return to enjoying daily life, now with less worry and more confidence. It’s the fulfillment of our promise: Less worry. More life.

Don’t worry. No one knows much about life insurance so you’re right on track. And we have prepared some tips to help you determine what is right for your individual situation.

Acquiring life insurance involves a few steps. An initial application collects basic information for the underwriter and indicates what next steps are required. The steps often include an interview and a physical exam. These are meant to identify any pre-existing or chronic conditions that have to be considered in issuing your policy. These factors affect premiums and may affect availability of life insurance.

Most life insurance policies cover deaths caused by natural causes, accident, or illness. Most policies exempt deaths by suicide at least for several years after the policy is issued. Contrary to common belief, life insurance is available for many people with pre-existing conditions.

After your death, the beneficiary you named in the policy files a claim with the insurance company. Life insurance benefits are tax-free and your beneficiary can opt to receive periodic payments or a lump sum at once.

Life insurance comes in a few different types designed for different situations. Understanding the various formats of life insurance will help you shop for the right policy for you.

  • Term life insurance is the entry level life insurance for most people. It covers you for a set number of years into the future. These policies are quite affordable but must be renewed regularly to ensure coverage is in place.
  • Whole life insurance is a permanent policy that stays in place from the day you buy it until your death (as long as you make the premium payments). Premiums must be paid regularly throughout your life, but you won’t have to re-apply or replace the policy because there is no “term” as in term life insurance.
  • Universal life insurance is a permanent policy that goes up or down with a specified stock index instead of a set percentage stated in the policy. This means that your beneficiaries may benefit from upswings in the economy and stock market. But it also means that the payouts may suffer from declines in the stock index.

Life insurance premiums vary widely based on the facts and conditions at the time of the policy issuance. The underwriter will consider these factors when calculating a policy premium for any individual:

  • Health. Your health is a primary indicator of your mortality and is a leading factor in setting your premium.
  • Family. Your immediate family’s health history is another predictor of your long-term health and so naturally affects premium.
  • Gender. Men and women have different bodies, different health issues, and different life expectancies. Women have a higher average life expectancy than men which lowers their premiums compared with men’s.
  • Lifestyle. Those with dangerous or high-stress careers will often see it reflected in their premiums. Hobbies too can increase danger and premiums, so they inquire about hobbies like extreme sports or leisure flying.

What does life insurance mean to me?

As life goes on … and expands … and changes, our needs and the way we think about the future also change. For example, getting married or having a child naturally take our thoughts to the future – a future that includes some uncertainty from which we want to protect the people we love.

Life insurance does exactly that. It puts in place a safety net against the future’s uncertainty and lets you return to enjoying daily life, now with less worry and more confidence. It’s the fulfillment of our promise: Less worry. More life.

Don’t worry. No one knows much about life insurance so you’re right on track. And we have prepared some tips to help you determine what is right for your individual situation.

How life insurance works.

Acquiring life insurance involves a few steps. An initial application collects basic information for the underwriter and indicates what next steps are required. The steps often include an interview and a physical exam. These are meant to identify any pre-existing or chronic conditions that have to be considered in issuing your policy. These factors affect premiums and may affect availability of life insurance.

Most life insurance policies cover deaths caused by natural causes, accident, or illness. Most policies exempt deaths by suicide at least for several years after the policy is issued. Contrary to common belief, life insurance is available for many people with pre-existing conditions.

After your death, the beneficiary you named in the policy files a claim with the insurance company. Life insurance benefits are tax-free and your beneficiary can opt to receive periodic payments or a lump sum at once.

Which type of life insurance do I need?

Life insurance comes in a few different types designed for different situations. Understanding the various formats of life insurance will help you shop for the right policy for you.

  • Term life insurance is the entry level life insurance for most people. It covers you for a set number of years into the future. These policies are quite affordable but must be renewed regularly to ensure coverage is in place.
  • Whole life insurance is a permanent policy that stays in place from the day you buy it until your death (as long as you make the premium payments). Premiums must be paid regularly throughout your life, but you won’t have to re-apply or replace the policy because there is no “term” as in term life insurance.
  • Universal life insurance is a permanent policy that goes up or down with a specified stock index instead of a set percentage stated in the policy. This means that your beneficiaries may benefit from upswings in the economy and stock market. But it also means that the payouts may suffer from declines in the stock index.

What is the cost of life insurance?

Life insurance premiums vary widely based on the facts and conditions at the time of the policy issuance. The underwriter will consider these factors when calculating a policy premium for any individual:

  • Health. Your health is a primary indicator of your mortality and is a leading factor in setting your premium.
  • Family. Your immediate family’s health history is another predictor of your long-term health and so naturally affects premium.
  • Gender. Men and women have different bodies, different health issues, and different life expectancies. Women have a higher average life expectancy than men which lowers their premiums compared with men’s.
  • Lifestyle. Those with dangerous or high-stress careers will often see it reflected in their premiums. Hobbies too can increase danger and premiums, so they inquire about hobbies like extreme sports or leisure flying.

No junk mail. No spam. No cost.

Quotetopia – where price shopping is paradise.

Quotetopia is an insurance comparison site, not an insurance agency.

  • Quotetopia’s superpower is comprehensive search. We don’t sell insurance.
  • Neither our website nor its content was written or edited by any insurer.
  • Our independence enables us to compare all insurers to match your personal situation with the best policy.

Get A Life Insurance Quote

Get A Life Insurance Quote