Is life insurance actually worth it?
It depends entirely on who would be left holding a bill you can no longer pay. A funeral commonly runs $8,300 to $10,000 and it comes due within days, usually before anything else is settled. A mortgage keeps its payment schedule whether or not the person making the payments is still here. And when the person who supports the household passes away, the household still needs supporting.
Life insurance is the one thing that puts money in your family's hands fast enough to matter. If nobody would struggle without your income and nobody would be handed your final bills, you may not need it, and a good agent will tell you that.
What happens if I wait?
The cheapest time to get life insurance is today. That is true for everyone, because your rate is built on your age, and your age only moves one direction. The same coverage costs more on every birthday you have between now and the day you finally do it.
Health is the other half of the price, and this is where people talk themselves out of calling. High blood pressure, diabetes, weight, a heart history, cancer in the past, people get covered with all of it every single day. Having something on your record is not a reason to skip the call, it is a reason to make it sooner, because an agent who writes this every day knows which carriers are friendly to which conditions and what today's health gets you.
What does this actually cost?
Your premium depends on your age, your health, how much coverage you want, and which type of policy fits your situation. That is why this site does not print a number at you. A number that ignores your health is a guess, and guesses in this business are how people end up surprised at the application.
Getting the real number costs you nothing and takes one phone call.
What if I already have coverage through work?
Most workplace policies are one or two times your salary, which is a real benefit and is usually nowhere near a mortgage balance or the cost of raising the kids who are still at home. It is worth measuring yours against what you actually owe, because most people have never done that comparison.
The other thing worth knowing is that workplace coverage generally belongs to the job, not to you. Change employers, get laid off, or retire, and it typically ends there. A policy you own personally follows you.
Will my information be sold to call centers?
No. Your request goes to one licensed agent, not blasted out to a list of callers, and we don't sell your information to call center lists.
If you want out, say so to the agent or email us and we stop. That means no more quotes and no more contact from us or from the agent, not a vague promise to reduce it.
Ages 45 to 85
