Life Insurance Inspector:
Your Quest for the Best Insurance Policy can begin Right Here
| Car | Health | Life | HomeOwners | Other |
Online Life Insurance Shopping is usually best accomplished by companies that provide quotes from numerous sources. It probably does not matter where you get a Hartford quote from as it will be the same. Thus, it is best to get quotes from sources with different providers so you can cover all your bases. As a service, we list the insurance providers offered by the online services.
| Life Insurance: Featured Programs (Check back as we review new programs) | |
| 2Insure4Less | |
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Get Instant Life Insurance Quotes!
Get Multiple Quotes from one source. Providers within their program include: |
| INSWEB | |
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InsWeb makes it easy for you to get the best deal on term life insurance. You provide us with your information and we find you the best prices available from some of the top insurance carriers in the business. Providers in their program include: |
| HometownQuotes | |
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HomeTown Quotes allows you to compare rates from top companies nationwide It only takes about 4 minutes to fill out the following form for free Life Insurance quotes. Companies in their program include: Allstate American National Farmers Liberty Mutual MassMutual MetLife Nationwide Prudential New York Life State Farm |
| NetQuote | |
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With NetQuote you will receive personalized competitive quotes from multiple local agents. Fill out this easy to use form and save. Companies in their program include: American Family Insurance Amica Response AARP Unitrin Direct The Hartford |
The Life Insurance Terms you need to be familiar with:
Beneficiary: A person who is not the policy holder who is eligible to receive benefits, or is currently receiving them.
Cash surrender value: This amount goes to the policy holder when they surrender a cash value insurance policy. When this happens, the life insurance policy is terminated.
Convertible term life insurance: Allows you to exchange term life insurance for a more permanent option in the future.
Free look period: In some states this allows you to cancel a life insurance policy without penalty.
No-load policy: A policy that is sold direct to consumers from the insurer. This cuts out commission to a broker.
Permanent life insurance: This type of policy offers lifetime protection by combining a cash value with death benefits. These accrue over time.
Risk factors: When calculating a life insurance policy premium, risk factors are taken into consideration by the insurer. The higher the risk, the more money you will pay. Risk factors include things such as age and health among others.
Term life insurance: This type of life insurance provides coverage for a predetermined amount of time.
Universal life insurance: This is a permanent life insurance policy that varies based on the investment return of the insurer, as well as the payments by the holder.
Variable life insurance: The cash value of this type of policy fluctuates due to the return on investment that the policy holder receives.
Whole life insurance: This is considered a type of permanent life insurance. You will be covered for your life with this policy, but there are provisions to consider.
