Cheap Life Insurance Online Quote

Are You Looking for Cheap Life Insurance Coverage?

If so, you’ve come to the right place. Today, it’s quicker and easier than ever before to shop and compare the best pricing available for life insurance plans.

Actually, once you follow the tips in this article, you will be able to find the most affordable life insurance policy to fit your needs and meet your budget, in just a few minutes.

Cheapest Life insurance Policies

 

Compare Term vs Permanent Life Insurance

 

There are two basic types of life insurance policies: Term and Permanent.

 

By far, term life insurance offers the cheapest life insurance coverage available.

 

If you need life insurance for 30 years or less, term life is cheapest.

 

Term life offers temporary protection lasting for up to 30 years. It pays out a death benefit upon the death of the insured, during the policy term.

 

Permanent life insurance provides lifetime protection, pays out a death benefit, and builds cash value inside the policy.

 

Permanent life insurance costs up to 5-10 times more than the premium charged for the same amount of term life insurance.

Compare Life Insurance Quotes

 

Why is Term Life Insurance the Cheapest?

 

Term life is much cheaper than permanent coverage, because:

 

1. It is Temporary – lasting for 30 years or less.
2. You May Outlive the Duration of your Policy.
3. There is No Investment Feature or Cash Value, only a Death Benefit.

 

How Does Term Life Insurance Work?

 

Term insurance is a type of life insurance policy that provides protection for a temporary period of time.

 

Usually, term life policies offer coverage up to a maximum duration of 30 years.

 

However, depending on your current age and current health, you may be able to select a "Policy Term" that provides protection for a period of 10, 15, 20, 25 or 30 years.

 

If you (the insured person) die during the policy term, the death benefit from your life insurance policy is paid out to the beneficiary of your policy. You select the beneficiary.

 

If you are alive when your life insurance policy term expires, there is no pay out of any benefits.

  

Finding the Cheapest Life Insurance Quotes

 

How Can I Get the Cheapest Life Insurance Prices?

 

It’s simple. You just fill out a Quote Request Form, answering a few simple questions, click on the button, and instantly see the lowest prices available for life insurance that fits your specific needs.

 

How to Save Money on Life Insurance

 

How Can I Save Money on Life Insurance Coverage?

 

These tips are easy to understand, and anyone can use them to save some money when buying their life insurance policy.

 

• Compare Rates – By comparing rates you may save up to 70% on your life insurance because each insurer has their own set of rates, and rates can vary quite a bit between companies.
• Choose Term Life – Term life insurance is the cheapest form of coverage offering the lowest rates by far, compared to permanent life insurance.
• Don’t buy more Life Insurance than you need – Use a life insurance needs calculator to determine how much life insurance you really need.
• Choose Annual Premium Payments – They are lower than paying monthly premiums. The insurance company charges a finance fee for monthly payments. 
• Quit Smoking – Smokers pay 2 to 3 times more for the same amount of life insurance compared to Non-smokers. So, if you smoke, it pays to quit smoking.
• Get Healthy – Lower your cholesterol level and your weight to qualify for lower rates on your life insurance.
• Buy at least 6 months before your next birthday – Rates are based on your age closest to your birthdate. So, if you buy within 6 months of your next birthday, you will be charged based on that age, not your current age.
• Buy coverage while you are young and healthy – Rates for younger adults are lower, and healthy people get lower rates on life insurance than those with health issues.

  

How Can I Compare Instant Pricing for Life Insurance?

 

You can request your free, instant life insurance premium quotes by visiting JRC Insurance Group. They offer you a quick and easy way to instantly find the lowest prices available for life insurance protection from the leading insurance companies in America.

  

Compare Cheap 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.

Is Term Life Insurance More Affordable Than Other Types of Life Insurance?

Affordable Life Insurance with No Exam

Cheap Life Insurance Online Quote