Looking for term life insurance quotes?
Quotacy is the best life insurance brokerage firm.
When it comes to protecting your family’s financial future, there is no better product than term life insurance. Life insurance is an affordable way to replace your income for your loved ones if you die prematurely. The death of a family provider is never easy. It takes an emotional, physical, and spiritual toll on the surviving loved ones – life insurance can ensure there isn't a financial toll as well.
There are two main types of life insurance, permanent life insurance and term life insurance. Permanent life insurance is life-long and can also have a cash value aspect. Because of these two aspects, permanent life insurance products cost much more on average than term products.
Term life insurance is temporary and simple income replacement. Term life insurance costs are very affordable and can fit in most budgets.
For most individuals, term life insurance is the best choice and offers the financial protection your family needs. The main purpose of life insurance is to replace lost income after the death of a provider and term life insurance can protect your family during their most vulnerable years. Term life insurance is designed to last until it is no longer needed. In most cases, this is when children are independent and grown and you’re in or near retirement.
Buying term life insurance
If you are looking to buy life insurance, getting term life insurance quotes online at Quotacy is easy. At our quoting page, you can instantly get an estimate for how much term life insurance would cost you. Unlike most online life insurance agencies, we do not require you to enter in your personal information just to get a quote. We welcome you to run as many term life insurance quotes as you would like so you can get a good idea on how much coverage costs.
We don’t believe buying life insurance should be difficult. We are here to make the process as easy as possible and keep you updated along the way. There is no risk to you in applying. Applying for life insurance is free and if you change your mind you can walk away. We promise not to hold it against you, and will welcome you back with open arms when you do decide to purchase. Keep in mind that the older you are, the more expensive life insurance can become.
How much term life insurance to buy
Many financial advisors recommend buying a coverage amount that is ten times your annual salary, but this isn't the right amount for everyone. Every person's family life and situation is unique. If you aren’t sure how much life insurance you need, our Life Insurance Needs Calculator can help. You only need to answer three questions. How much debt do I have to pay off? How much monthly income does my family need? How many years do I want my family to receive this sum?
The tool uses these numbers to help determine how much life insurance coverage is best for your individual situation. Use this suggestion as a starting point. You can always choose to apply for a different amount. Consider this, even a small $100,000 term life insurance policy is better than owning none at all. If you were to pass away, the death benefit will help your loved ones pay for a funeral, time off work, and any bills that need to be taken care of. For those with greater needs, life insurance can even pay for long term expenses such as a mortgage or your children's college tuition.
Whatever your life insurance needs, Quotacy can help you find the best term life insurance policy.
What does term life insurance cost?
Many are surprised to learn that term life insurance costs much less than they thought. The cost of a 20-year $250,000 term policy for a healthy 35-year-old woman can cost as little as $13 per month. And with term life insurance, your premiums will remain the same throughout the entire term length.
A term life insurance policy can fit into most budgets. Using our term life insurance quoting tool, you can adjust the term length and amount of coverage to find a premium amount that works for you.
When looking for the best life insurance rates, look no further than Quotacy. We are an independent agency, which means we work with multiple top-rated life insurance companies. We have the ability to shop the market which allows us to offer you many options. The more options you have, the better your chances of getting approved at the best life insurance rate possible.
If you have tried buying life insurance in the past and have been denied because of a medical condition or lifestyle habit, we urge you to try again. No two life insurance companies underwrite the same and guidelines are always changing. We have in-house underwriters who know the ins and outs of these companies and will be able to assist in finding you the best life insurance coverage.
We cannot promise we can get every individual life insurance, but we can guarantee we will try our hardest. The process of buying life insurance can be confusing sometimes, but we walk you through each step and continually keep you updated on your application’s status. We aim to make life insurance easy and work hard to ensure you have a great experience.