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Free Life Insurance Quote Online

It has become common practice to get free life insurance quotes on the Internet and to buy your life insurance right there and then in some cases.

This has been going on for a while now but everyone seems to be getting involved now. As people tend to get free life insurance quotes the life insurance companies have been forced to jump on the band wagon...even the big ones. The customer really calls the shots.


What will happen to your family when you die? Have they been provided for? Life Insurance is the solution and we can help. Compare Multiple Quotes from Highly Ranked Carriers and Save up to 70%! Getting your quote is easy and FREE. Click Here And Save


The Popularity  Of Free Life Insurance Quotes

Some have argued that the life insurance agent will eventually become extinct. This may be so but not in the near future.

If you know how much life insurance you need you can go to your computer, get your free term life insurance quotes and, in some cases, apply for your insurance online. If you need a Capital Needs Analysis done you will likely need an agent...

Qualified life insurance agents are still needed for "pensions and profit sharing" cases or for group life or health policies.

If you have a fairly large estate and you want to know how much estate taxes you would need to pay if you died within a specified period of time you may need the assistance of a qualified life insurance agent...

In most other situations you can request you free life insurance quote online. Many companies will then send you an agent if you should so choose. Some companies, even the bigger and better ones, do allow you to make your purchase online.

It used to be that you could only get term life insurance online . These companies offered the 5 year term, the 10 year term, the 15 year term, the 20 year term, the 25 year term and the 30 year term.

Now you can get free quotes on just about any term life insurance policy as well as some permanent life insurance policies. Here are brief descriptions of some of them.

  • Decreasing Term

    The premium remains level throughout but the death benefit is less each year. This policy is usually used as a mortgage protection policy.
  • Yearly Renewable Term

    The premium increases every year but the death benefit remains level for the entire period.
  • Level Term Policies

    The death benefit on these policies remain level throughout and so do the premiums. The level term policies offered by most life insurance companies include the 5 year term, 10 year term, 15 year term, 20 year term, 25 year term and 30 year term...

    Some companies offer term to age 65, age 80, age 85, age 90 and even one that you can keep up to age 95 but the premiums usually increase after a reasonable period of time.

    Request free life insurance quotes on the ones that grab your interest and you will easily be able to decide which on to buy.
  • Whole Life

    In recent years there has been a renewed interest in the whole life policy and the modified whole life policies as the premiums are much lower than they used to be.

    These policies have cash values and in most cases earn dividends . Dividends are not guaranteed.

    These policies can usually be kept until age 100. The face amount remains level throughout and so does the premium. I would get a free life insurance quote for whole life if I were in the market for new insurance.
  • Policy Riders

    When looking at your free life insurance quote it may serve you well to examine the cost of some of the riders offered. You could add the waiver of premium rider.

    If you become disabled the life insurance company will pay the premiums for you for as long as you are disabled, even if it is for the rest of your life.

    In order for the rider to kick in though you must be disabled for a minimum of 6 months...some companies take over premium payment after 4 months. The premiums for this rider are very affordable.

    Another rider you can get a free life insurance quote for is the accidental death benefit rider ...the famous double indemnity rider. If you should die in an accident the life insurance company will pay twice the death benefit to your family. The cost for this is also minimal.

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