COMPARE MULTIPLE LIFE INSURANCE QUOTES INSTANTLY

INSTANT LIFE INSURANCE QUOTES

When You Need Multiple Life Insurance Quotes in an Instant

Since you have only one life to live, you have a vested interest in keeping it as long as humanly possible. Unfortunately, none of us knows how long our lives will be. In the overwhelming majority of cases, a person can count on a long life. However, all too often life can be cut short due to a variety of circumstances – some within our control, but many more that are impacted by genetics or random events that have tragic consequences.

Because of this uncertainty, it’s important to cover all of your bases in the event that you have to check out of this life earlier than you were planning. Instantquotes.com is poised to instantly shop the life insurance market for the strongest life insurance companies that can offer you the lowest possible premiums for your life insurance needs. We don’t take a lifetime to get back to you with multiple quotes; because we value your time we will get you multiple quotes from strong, financially stable life insurance companies that can be your fortress in your family’s hour of need.

You Need Life Insurance

It’s no secret that life insurance is one of those things that you need, especially if you have a family. Barring final expenses, the majority of your financial needs end with your death. However, the needs of your family live on – and in most cases – are multiplied greatly. If you die prematurely, your family will likely lose the majority of your income and future needs will have to be paid for somehow.

Life insurance is the one mechanism you can put in place today that will ensure that your family’s standard of living doesn’t erode in the event that you die early. Expenses such as mortgage payments, vehicle payments, future educational expenses for your children, among others, will continue long after you’ve drawn your last breath. Life insurance won’t replace you, but it can help to blunt the pain that a premature death can bring to your loved ones.

Instant Life Insurance Quotes

When shopping for the best life insurance quotes, one simple form can give you multiple quotes in an instant. There are a variety of life insurance choices available to you; the best one available depends upon your current situation and your future needs:

  • Term Life Insurance – The least expensive form of life insurance available, this coverage will pay a fixed dollar amount in the event that you die during the term of the policy. If you don’t die, the policy pays nothing – and coverage ceases at a defined point in the future. Many term life insurance policies are renewable annually and some have level premiums, meaning that the premiums will not increase for a certain period of time.
  • Whole Life Insurance – While more expensive than term life insurance, whole life insurance will build cash value based upon an appreciation schedule as defined by the insurance company. This type of insurance doesn’t just pay off in the event that you pass away. The cash value that builds up can be looked upon as an investment or as a source of cash in the event you need a loan at some future point. Many insurers will permit you to borrow against the accrued cash value of the policy. Because of the cash value that can build up over time, this coverage can be considerably more expensive than term life insurance.
  • Universal Life Insurance – One of the most flexible life insurance products on the market, universal life insurance combines the low-cost features of a term life insurance policy with the growth features of a whole life insurance policy. This gives you a great deal of flexibility in controlling your premiums. While the policy has a cost for the life insurance portion of the policy, you have the flexibility of reducing or increasing your policy payment as your finances allow. For instance, if your combined premium is $75 per month, you might be able to pay just the term life portion of the premium in months that you can’t spare the extra cash. In addition, universal life insurance can give you the peace of mind of knowing that you can use the accrued cash value of your policy to pay future premiums in the event that you have a temporary financial setback, such as a layoff.

InstantQuotes.com makes it very easy to shop the market for the lowest-cost life insurance that best meets your needs. Instead of toiling for hours to find the one insurance company that will fit the bill, you simply fill out the quote form you see below. We’ve shopped the market for the strongest, most economical insurance companies. We’ll match you with the best companies based upon your needs and you can decide which quote you like the best. So what are you waiting for? Put us to the test today.

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