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ALifeQuote.com is here to provide you with instant online life insurance quotes. Our online database provides instant access to quotes from over 130 life insurance companies - the internet's largest database of life insurance companies!
We offer quotes on three types of life insurance:
- Term Life Insurance: term life provides uncomplicated level insurance coverage for the period of the term. For example, 20 year level term will provide a level death benefit, with premiums level for 20 years. Term insurance tends to be heavily shopped and as a result many companies price it competitively. This type of coverage tends to be the least expensive and works well for such things as mortgage protection or protection for those with family and dependents.
- Return of Premium (ROP): 'ROP' is term insurance with a twist - at the end of the term period all the premiums you've paid are returned to you. Surprisingly, this type of insurance was created in the early 1900's but mostly disappeared for the last 100 years. It's now making a comeback as more and more insurers are promoting it. Because of this additional feature, return of premium in insurance tends to cost a bit more than standard term insurance. ROP insurance might suit you if you need term insurance coverage but also want the assurance that your premiums are returned to you should you keep the policy in force for the full term.
- Universal Life Insurance (UL): UL is perhaps the most complex type of life insurance available. It consists of two components; the insurance component and an investment component. Both components come in astounding arrays of options from various companies making it difficult to compare products directly. Our UL comparisons quote just the insurance component, and only for products that offer fully guaranteed and level insurance premiums to age 100. Universal life does have a number of tax advantages in specific instances and can be an effective estate planning tool. Due to the complexity of the product UL should be selected carefully and with the assistance of an experienced life insurance agent to provide you information on the variety of features from the various UL products available.