Lifeinsure.com - Top Rated Insurance Companies and market leading prices

At LifeInsure.com, our purpose is to give you great service and find you the most competitive prices. Your satisfaction is what we work for. We represent some of the top rated life insurance companies in the United States. Learn more about the life insurance rating of top companies.

On review of this site you will find information to help make life insurance easy to understand. Using our quoting engine you can compare a very large number of highly rated companies all at once allowing you to find yourself very affordable low cost term life insurance or other policy.

	Competitive prices - See it in the low cost life insurance quotes you'll obtain instantly at no cost to you.
	Selection – You will see quotes from the major life insurance companies who have great prices starting with the least expensive .
	The process is safe and secure
	The quotes are Real-Time and instant.

Companies publish their life insurance rates so every person of the same age and health would get the same rate from the same company. It’s not like buying a car where you negotiate. What’s different with this site is that instead of negotiating, you shop. You get to see what all the companies in the life insurance database would rate someone at a certain age, for a certain amount of life insurance. The difference is you don’t have to call the different insurance companies or agents. You just punch in your info and the life insurance market search appears instantly. In this business there aren’t any sales but there is comparison shopping. What you need and want and the insurance company’s underwriting process (where they look over your medical history and other factors) determine your final rate.

Even though the life insurance rates are set, we will do everything we can do get you a low cost policy that fits you. We do that with our real-time quoting engine and our experience with the insurance companies at no extra cost to you.

Do you charge anything to get started and if I work with you when would my insurance start? Most insurance companies have monthly, quarterly, semi-annual or annual premium programs. You have the choice of making an initial premium payment with your application. If you so, insurance begins on the date of signature on your application, assuming all questions are answered completely plus it is subject to what the insurance company has stated on the conditional receipt you receive in return for your deposit. If for some reason you don’t qualify for the insurance or decide not to take it your deposit will be refunded.

Questions? Contact us.

To learn more, click one of the following:

Term Life Policies
Return of premium
Whole Life Policies
Universal Life Policies
Survivorship Life (Joint and Survivor)

To get a quote for life insurance, click one of the following:

Term life Quote
Return of premium Quote
Whole life Quote
Universal life Quote
Survivorship life Quote (Joint and Survivor)

Do insurance companies have a money-back guarantee if I make a deposit and change my mind?
Yes, insurance companies will refund any deposit if you change your mind while your application for insurance is pending. Also, after your get your policy you can have a full refund under what’s called the 10 day free look period (longer in some states). If, for any reason, you decide to cancel your policy after you paid for the policy, you can do that without any questions asked within 10 days after you have receive your insurance policy. (Length of time differs based on the regulations of the state in which you applied for insurance – but 10 days is most common.).

What do I pay for the insurance after the10, 15, 20 or 30 years of guaranteed insurance premiums?
Some term life insurance is renewable. If so, you will pay up to the guaranteed maximum renewal premium shown in the policy. This maximum amount will be listed in your policy. The insurance policy sometimes shows what the current renewal rates – not guaranteed. Non-guaranteed renewal rates give you a projection of what the renewal rates will be. These may go up or down each but the renewal cost will never be more than the guaranteed maximum. The insurance policy is the contract so please review it carefully.

At the end of the term period, if you can qualify for new insurance, you can re-apply for lower rates than the renewal premium with a new insurance company or possibly with the same insurance company.

You can contact us to clarify any of this and speak with one of our experienced representatives.

It is recommend that you take out a term life insurance policy with as long a term period as possible.. With the competitive low cost term life insurance you'll receive from us, you may be able to take out the policy for a longer period. The ideal solution is method is to buy low cost life insurance that lasts for your whole life. Our representatives will be glad to explain all the options to you.

Disclaimer: Our quotes show cost for the quoted class as determined by you on the input page. Also, these quotes sometimes are different state to state. The complete underwriting process is needed to determine whether you qualify for a rating class and as to what your actual premium will be. The quotes are shown for comparison and are not based on any actual individual until underwriting occurs, therefore quotes on the Lifeinsure.com quoting engine will be and are subject to change.