Complete transparency on risk factors, pricing, and everything good and bad that can impact your policy values. Our experts have over a decade of experience working with all the top carriers to find the best fit for your specific circumstances. Skip the smoke and mirrors. Research with confidence at Life Insurance Simplified - your life insurance 'investigator'.
Protection policies: Temporary coverage designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. You rent the policy at lower premiums. Investment polices: Permanent, lifetime coverage designed to facilitate the growth of capital by regular or single premiums. You own the policy at higher premiums. Answer a few simple questions and we'll show you which life insurance plans you may want to consider.
Get free life insurance feedback and guidance without having to talk to a high-pressure sales agent.
Protection policies: Temporary coverage designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence. You rent the policy at lower premiums. Investment polices: Permanent, lifetime coverage designed to facilitate the growth of capital by regular or single premiums. You own the policy at higher premiums. Answer a few simple questions and we'll show you which life insurance plans you may want to consider.
Get free life insurance feedback and guidance without having to talk to a high-pressure sales agent.
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We understand how valuable your time is.
We investigate cash value life insurance policies and fixed income annuity options so you can make a decision about your financial future with confidence.
Since we started, our goal is to help you find the best solution to meet your legacy planning needs in a fast and simple manner.
We are an independent site and not affiliated with any insurers.
See which cash value life insurance policies or annuities can provide you the most benefits without having to meet with a licensed life insurance agent in-person.
We investigate cash value life insurance policies and fixed income annuity options so you can make a decision about your financial future with confidence.
Since we started, our goal is to help you find the best solution to meet your legacy planning needs in a fast and simple manner.
We are an independent site and not affiliated with any insurers.
See which cash value life insurance policies or annuities can provide you the most benefits without having to meet with a licensed life insurance agent in-person.
Looking to learn more about how life insurance works?
The simple answer is you pay an ongoing premium (let's say around $50 per month) to the life insurance company to keep your policy in force.
When you die, your beneficiary(s) receives a tax-free sum of money called the death benefit.
You're transferring the risk from your family carrying the financial hardship to the life insurance company, if you were to die unexpectedly.
You can use the tax-free lump-sum money to protect against loss of your income, funeral expenses, medical or nursing care expenses, debt repayments, and child care costs after your death.
The simple answer is you pay an ongoing premium (let's say around $50 per month) to the life insurance company to keep your policy in force.
When you die, your beneficiary(s) receives a tax-free sum of money called the death benefit.
You're transferring the risk from your family carrying the financial hardship to the life insurance company, if you were to die unexpectedly.
You can use the tax-free lump-sum money to protect against loss of your income, funeral expenses, medical or nursing care expenses, debt repayments, and child care costs after your death.
Not all types of life insurance policies are created equally.
How long the policy lasts, the cost and extra provisions depends on the type of life insurance policy coverage.
Broadly speaking, life insurance is divided into two different types: Term and Cash Value Life Insurance.
Most people who need life insurance only need term, especially if they're investing their money in traditional savings accounts.
With term life insurance, you pay a low amount of money for the peace of mind that comes with having life insurance for a specified period of time.
How long the policy lasts, the cost and extra provisions depends on the type of life insurance policy coverage.
Broadly speaking, life insurance is divided into two different types: Term and Cash Value Life Insurance.
Most people who need life insurance only need term, especially if they're investing their money in traditional savings accounts.
With term life insurance, you pay a low amount of money for the peace of mind that comes with having life insurance for a specified period of time.
Are you wondering about how much life insurance you should have?
If you have a family or if you provide financial support for anyone, you probably seriously need to think about taking out adequate life insurance coverage that will ensure your loved ones will always be cared for financially.
Some examples include to help replace your income to continue paying the bills when you're not around, to ensure funeral costs are met, paying off a mortgage or other loans, and paying for children's education.
If you have a family or if you provide financial support for anyone, you probably seriously need to think about taking out adequate life insurance coverage that will ensure your loved ones will always be cared for financially.
Some examples include to help replace your income to continue paying the bills when you're not around, to ensure funeral costs are met, paying off a mortgage or other loans, and paying for children's education.
Pick out and rank important factors, like company ratings, average application time, policy types and riders, and a company's customer service and experience.
Life insurance costs are determined largely by how risky you are to insure.
That means health conditions like cancer, diabetes or a history of smoking, along with other factors like dangerous hobbies and military service, can raise your premium considerably.
But some life insurance companies are more accommodating with certain health conditions.
Life insurance costs are determined largely by how risky you are to insure.
That means health conditions like cancer, diabetes or a history of smoking, along with other factors like dangerous hobbies and military service, can raise your premium considerably.
But some life insurance companies are more accommodating with certain health conditions.
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