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Life Insurance Quotes for Family, Individual, or Children

The main reason for buying life insurance is to protect your family against loss of income (the income your family would lose if you should die before saving enough money to provide for them). There are 5 basic types of life insurance: Term life insurance , Whole life insurance, Universal life, Variable life and a combination of variable and universal life insurance.

Get $100,000 in Term Life Insurance for less than 25 cents a day, guaranteed for 15 years.
According to Kiplinger’s Personal Financial magazine, there’s no better bargain than term life insurance. Dollar for dollar, it’s probably the cheapest insurance you can buy. And you can buy right now, online, in a matter of seconds. No obligation – Get Your FREE Quote Now! Save 50% to 70% On Term Life Insurance

Life Insurance Companies

Life insurance companies consists of New York life insurance established in 1845, Globe Life insurance, Ohio National Life Insurance Company, NY Life, West Coast Life Insurance Company, First Penn-Pacific, Banner Life, Cincinati Life Insurance Company, MONY Life, First Colony Life Insurance, Lincoln National, General Electric Capital Assurance Co., Federal Kemper Life Assurance Company, Ameritas Life Insurance Corporation, Security Mutual Life Insurance Co of NY,
Americom Life and Annuity, Midland National, and American General.

Are you a smoker? We can find insurance policies for smokers. If you have pre-existing conditions like Cancer, HIV, Alcohol/ Drug Abuse, or liver damage we offer a search tool that can help you talk to a life insurance representative. We use our great search partners to find you the best term life insurance on the web featuring low cost insurance plans with great benefits for your family, individual, and even for your children. Search our company database now.

Mortgage Life Insurance

Mortgage Life Insurance is to protect the survivors from losing their home in case of death to the person paying off the mortgage. The insurance benefits are used to pay off the remaining balance due on a mortgage upon the death of the insured borrower. Most lending companies recommend that you take out Mortgage Life Insurance if you have a family or a partner living in your home. Normally when you get your first mortgage loan you get hundreds of letters in the mail asking you to join their mortgage life insurance plan. We found it easier for you to search online in just one easy form.

Finding the best life insurance agent can be time comsuming so let our online search find the best quote for you whether its term life or a whole life policy. Things that they search for is the cheap, competitive rates. You will soon be on your way to finding the life insurance broker or agent you would like to work with.

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Life insurance for Children click here

Life Insurance Study Finds Americans Underinsured

Most Americans with annual household incomes of $100,000 or more lack sufficient life insurance to permanently replace their salaries, yet say they have sufficient coverage, according to a new survey commissioned by the Hartford Financial Services Group.

The survey found that 65% of all respondents had less than $500,000 in life insurance and 11% percent had less than $100,000 in coverage. Many financial professionals recommend buying a minimum of between seven and 10 times one’s annual salary.

The survey found that 79% of the emerging affluent bought life insurance primarily for income protection for their families, 10% secured coverage for estate planning or wealth transfer, 7.5 percent for retirement planning, and 4.3 percent for business planning. Most respondents owned term life insurance (37.3 percent) as compared to permanent coverage (24.8 percent) and many people owned both types of policies (34.8 percent).

More than 38 percent of the emerging affluent did not review their life insurance coverage after a major life event, according to the survey. (A major life event is defined as the birth or adoption of a child , marriage or divorce, the purchase of a home or primary residence, graduation from college, or the completion of a child’s education. Two-thirds (67 percent) said they did not review their coverage annually and 6.8 percent reported never reviewing their coverage.

Over 40% reported difficulty in understanding the terms of their policies. The top two reasons for their lack of understanding were the complexity of the policies or the use of unclear language.