At LifeInsure.com, our goal is to provide you with quotes for life insurance from highly-rated insurance companies from our easy-to-use online quote engine. You can access the insurance industry database of term life insurance quotes and universal life quotes without having to leave the comfort of your home or workplace.
You can learn about and obtain instant quotes for term, return of premium term and universal life insurance without speaking to an agent. You can also get quotes and learn about other types of coverage such as whole life and survivorship (second-to-die insurance)
Access our database of quotes without first having to enter your personal information. We don't ask for your name or contact information in order to display life insurance quotes for you. Only when you decide to apply for one of the policies shown in the quotes comparison will we ask for this information, as required as part of the life insurance application process.
You can anonymously access our term life insurance quotes engine without having to worry about who has your personal information and what are they going to do with it when you leave the website. We believe you are searching for insurance quotes online because you want to make this important decision in the comfort of your own home without any sales pressure. If you are leaving your name, phone numbers and email address on a website in order to get instant quotes, it is inevitable that you will be receiving one or several sales calls. At LifeInsure.com, your privacy is important to us. That is why we don't require your contact information in order to get quotes. However, if you do want a live person to speak to, our licensed agents are available to answer your questions.
Life insurance quotes are basically predictions as to how the insurance companies will rate you upon completion of the underwriting process. While they can never be guaranteed, the most accurate quotes will be those that incorporate certain health factors used by the insurance companies. With the help of our Health Analyzer, your quotes will be based on specific underwriting guidelines used by the insurance companies. Factors such as your height/weight ratio, tobacco use, blood pressure, cholesterol levels, driving record and family health history, to name a few will help in calculating a quote for you that is most likely to be the closest to the actual rate offered by the insurance company upon completion of underwriting.
If your term life insurance quotes are not based on this information, it is more likely that the final rate from the insurance company will be significantly higher than your initial quote. While no quote can be guaranteed, beware of companies that issue quotes without asking these specific health questions.
While we do represent many highly-rated insurance companies, such as John Hancock Life, Mutual of Omaha, ING and Lincoln Benefit Life, to name a few, we are independent brokers and, as such, we will always strive to do what's best for our clients. That means helping our clients select the right insurance policy from the insurance company that best suits them. We are not beholden to any one company and will never steer a client to a particular company to meet a sales quota or earn extra commissions or bonuses. First and foremost, we will always do what's best for you, the consumer.
While term insurance is a great fit for most people, there are other insurance products that might be more appropriate for some people. That is why, in addition to term life insurance, we also offer return of premium (ROP) term insurance universal life (instant quotes available for these) and whole life. For families with special-needs children or those with estate planning needs, we offer survivorship/joint survivor (or second-to-die) insurance.
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