Life insurance? Who Needs it?

Life insurance seems to be the last form of insurance we think about. Yet, it is as important to our lives and those of our family as health,home and auto. Life insurance provides money to pay debts, education for children, a comfortable life for them and our spouse. It protects a business in the event of a partner’s death, it pays for funeral expenses but also provides extra money for a more comfortable retirement. Who needs life insurance? You do!

About Life Insurance

Are Their Options? Life Insurance Products


Life insurance takes many forms. Term life insurance makes sense to protect a family during the highest earning years or to help pay a mortgage off.

Universal life cannot only protect a family but its cash value can be borrowed against and can even be a valuable investment tool. Guaranteed issue whole life can provide funeral expenses and is available at reasonable rates for people from 50-80 years of age.

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Right Time

When’s the Right Time for Buying Life Insurance?

At QuoteUser we would say anytime but major life events always seem to make us a bit more thoughtful about what we have and what we need to protect. Starting a new job, starting a new life with a partner, a new baby, new business or thinking of retirement all seem pretty good reasons to us. Life insurance with its many iterations can be confusing, let us help!

QuoteUser, where protection of your life, family, business is only a click away.

Frequently Asked Questions

You Can Learn a Lot From Our Questions Answer

Absolutely! Smoking, obesity and other pre-existing conditions as well as your job and hobbies can have a significant impact, some may even disqualify you for some types of life insurance products. Let help find you the right policy.

No, not necessarily but the rates you pay may be significantly higher. A healthy lifestyle will reduce the insurance company’s risk and your premium.

Yes, premiums may be higher and their may be limits on your coverage or a waiting period before benefits are paid.

Experts say between 5 to 10 times your annual salary is a starting place but consideration of other factors like your debt obligations including mortgage and other bills, future plans for children’s education are all factors to be considered in that calculation.

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