Affordable Life Insurance Protection for Your Family

Best Life Insurance to Buy

What is the Best Life Insurance to Buy?

If you’re looking for life insurance you may be wondering which type is best for you.

The two basic types of life insurance are Term and Permanent.

Term life insurance is temporary coverage for a set period of time. Term life plans offer coverage for 10, 15, 20 or 30 years.

Permanent life insurance is lifetime coverage and may build up cash value inside the policy. Permanent life insurance costs a lot more than term life insurance. 

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Which type of life insurance is best to buy?

That depends on your own specific situation and what goal you want your life insurance plan to accomplish.


Term life insurance may be a good option for you if you need: 

  1. Life insurance for 30 years or less.
  2. The most life insurance at the lowest cost.
  3. Flexibility to choose coverage for 10, 15, 20 or 30 years.


Who buys term life insurance?

Many people choose to purchase term life insurance including young families, new homeowners, and people on a budget.


Permanent life insurance may be a good option for you if you need: 

  1. Lifetime life insurance protection.
  2. Guaranteed level rates for your entire life.
  3. Life insurance that will build cash value inside the policy from which you may take a loan.


Who buys permanent life insurance?

Many people buy permanent life insurance if they have a need for lifetime life insurance coverage and can afford the premiums to purchase a policy.


Do people buy both term life insurance and permanent life insurance?

Yes, many people choose to purchase both types of life insurance.

Why? Because a term life insurance policy can provide the short-term coverage needed at a lower cost, while a permanent life insurance policy can provide for final expenses.


Life Insurance Quotes


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote


Highly Recommended – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Highly Recommended – Globe Life Insurance

Get FREE Information On How $1* Can Buy Up To $100,000 Globe Life Insurance For Adults Or Children

  • No Medical Exam – Simple Application.
  • No Waiting Period. Buy Direct.
  • Rates As Low As $3.49 Per Month.
  • The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
  • No Phone Required. No Credit Required.
  • The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
  • Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.

How to Buy Term Life Insurance Now

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Best Life Insurance to Buy

Disclosure: Compensated Affiliate