Instant Term Life Insurance Quotes Made Easy
At Intramark Insurance, home of LifeInsure.com, our goal is to provide you with accurate instant term life insurance quotes for highly-rated insurance companies. Our easy-to- use online quote engine allows you to compare Term Life Insurance, No-Exam Life Insurance and Final Expense Life Insurance quotes online instantly, without having to speak to an agent.
However, if you do want to speak to a live professional, our licensed agents are available to answer your questions. The experts behind LifeInsure.com are licensed professionals who have more than 20 years of experience in the industry.
How Much does Life Insurance Cost?
According to the 2019 Insurance Barometer Report, lack of knowledge causes many consumers to overestimate the cost of term life insurance coverage. Over half of the population thinks the cost of a term life insurance policy is over three times the actual cost. Here are a few real-life examples:
Jon, 30, $1,000,000
10-year term life policy for less than $20 monthly
Mary, 50, $250,000
10-year term life policy for less than $23 monthly
Eddie, 42, $500,000
15-year term life policy for less than $27 monthly
GET TERM LIFE INSURANCE QUOTES WITHOUT COMPROMISING YOUR PRIVACY
Your privacy matters to us! Our instant termlife insurance quotes tool is designed so that you are not required to divulge private, personal contact information in order to receive the quotes you are looking for. Other companies have quote engines that require your name, your contact information and other sensitive details before you can view the quotes. We don’t ask for that information unless you decide to apply for a policy.
With honesty and integrity, we offer access to our database in a pressure-free manner. We will never sell or give your information to any other entity other than to those that require information for the application process. Only when you decide to apply for a policy will we ask for this information, as required as part of the life insurance application process.
The LifeInsure.com Difference
Instant Life Insurance Quotes Made Easy
Our easy-to- use online quote engine allows you to compare term life insurance and universal life insurance quotes online instantly, without having to speak to an agent.
No Personal Information Required to Get Quotes
Your privacy matters to us! Our instant life insurance quote tool is designed so that you are not required to divulge private, personal contact information in order to receive the quotes you are looking for.
We Represent the Top Highly-Rated Companies
Compare quotes from multiple A-rated companies within seconds. As an independent national broker representing multiple companies, we work for our clients – not for one insurance company.
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Frequently Asked Questions
Who needs life insurance?
If you have a spouse (or partner) and/or children that would suffer financially if you were to die, you need life insurance. There are others who need life insurance (e.g. business partners), but the main incentive to own life insurance always has been to ensure your loved ones will be taken care of financially should you die.
How much life insurance do I need?
There are several methods of determining how much life insurance you need. One method is using the multiple of income method, using a multiplier of your income to determine the benefit amount. Between 25 and 35, we recommend 20-25 times your income; between 35- 50, multiply your income by 15; above 50, use a factor of 10. These are only general guides, as every situation will vary.
You can also use our calculator, which uses a different method. Ultimately, the cost will be a factor too, as you have to maintain the premium payments over time.
How much life insurance can I get?
Now that you have determined how much you need, hopefully the insurance company will offer you that amount. Insurance companies use multipliers as described above and will not provide you with more coverage than they think you need, based on their formulas. There is some flexibility there, so if you have needs that exceed these formulas, your agent can help you “sell your case” to the underwriter.
Is there a fee for your service?
No. We are paid a commission by the insurance company if we assist you with getting your policy in force.