Affordable Life Insurance Protection for Your Family
Here is a comprehensive list of resources to assist you in researching, shopping for and purchasing life insurance coverage.
Learn about life insurance, how it works and why it’s important for you and your loved ones.
What is a life insurance policy?
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured’s death. Typically, life insurance is chosen based on the needs and goals of the owner.
Investopedia – What is Life Insurance?
Wikipedia – Life Insurance
Business Dictionary – Definition of Life Insurance
Review and compare the benefits and drawbacks of the basic types of life insurance policies.
Prudential – Types of Life Insurance
Good Financial Cents – Life Insurance 10: Types of Life Insurance Explained
Allstate – Life Insurance Tools and Resources
eHealthinsurance – Life Insurance Resources
Learn about financial strength ratings, how they are determined, and why they are important to consider when choosing a life insurance company.
AM Best Company – Financial strength ratings
Moody's – Life insurance company ratings
Standard and Poor's – Insurance company ratings
Dun & Bradstreet – Financial ratings
Fitch Ratings – Independent rating agency
Review these helpful calculators that can assist you in deciding how much life insurance you need.
LifeHappens – Calculate Your Needs
Life Insurance Calculator – How Much Life Insurance Do I Need
Review these resources that provide information and analysis of leading life insurance carriers in America.
Insurance Information Institute – Insurance Company Rankings
Term Life Online – Top 10 Life Insurance Companies
Insure.com – Best Life Insurance Companies
Reviews.com – Best Term Life Insurance Companies
Choose from the list of resources below to help you compare
the best instant life insurance rate quotes among the leading life insurance
companies to help you save time and money finding a quality, affordable life
How can the cost of life insurance be determined?
Insurers use rate classes, or risk-related categories, to determine your premium payments; these categories don’t, however, affect the length or amount of coverage.
Your rate class is determined by a number of factors, including overall health, family medical history and your lifestyle. Tobacco use, for example, would increase risk and, therefore cause your premium payment to be higher than that of someone who doesn’t use tobacco.
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%.
Highly Recommended – Haven Life Insurance Agency
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.
Life Happens Blog – Learn about Life Insurance
Term Life Online Blog – Top 10 Life Insurance Blogs
Haven Life – Insurance Blog
Blogmetrics – Life Insurance Blog Rankings
Use these resources to help you learn important facts and statistics about life insurance coverage.
Insurance Information Institute – Life Insurance Facts and Statistics
Life Insurance Online – Facts about Life Insurance
Watch the videos listed below to help you learn how life insurance coverage works.
LifeHappens – Life Insurance Videos
Allstate – Term Life Insurance Made Simple
Insurance Information Institute – Learn about Life Insurance
Northwestern Mutual – Life Insurance with Living Benefits
Here is a list of the departments of insurance in every state in the U.S.A. They are responsible for oversight of insurance companies and licensing of insurance agents.
Alabama Department of Insurance: http://www.aldoi.gov
Alaska Department of Commerce, Community & Economic Development – Division of Insurance: https://www.commerce.alaska.gov/web/ins/
Arizona Department of Insurance: https://insurance.az.gov
Arkansas Insurance Department: http://www.insurance.arkansas.gov
California Department of Insurance – CDI: http://www.insurance.ca.gov
Colorado Department of Regulatory Agencies – Division of Insurance: https://www.colorado.gov/pacific/dora/division-insurance
Connecticut Insurance Department: http://www.ct.gov/cid/site/default.asp
Delaware Department of Insurance: http://www.delawareinsurance.gov
District of Columbia Department of Insurance, Securities and Banking: http://disb.dc.gov/page/insurance
Florida Department of Insurance Regulation: http://www.floir.com
Georgia Department of Insurance – Office of Insurance and Fire Safety Commissioner: https://www.oci.ga.gov/home.aspx
Hawaii Department of Commerce & Consumer Affairs – Insurance: http://cca.hawaii.gov/ins/
Idaho Department of Insurance: http://www.doi.idaho.gov
Illinois Department of Insurance: http://insurance.illinois.gov
Indiana Department of Insurance: http://www.in.gov/idoi/
Iowa Insurance Division: http://www.iid.state.ia.us
Kansas Insurance Department: http://www.ksinsurance.org
Kentucky Department of Insurance: http://insurance.ky.gov
Louisiana Department of Insurance: http://www.ldi.la.gov
Maine Department of Professional & Financial Regulation – Bureau of Insurance: http://www.maine.gov/pfr/insurance/
Maryland Insurance Administration: http://insurance.maryland.gov/Pages/default.aspx
Massachusetts Office of Consumer Affairs & Business Regulation – Division of Insurance: http://www.mass.gov/ocabr/government/oca-agencies/doi-lp/
Michigan Department of Insurance and Financial Services: http://www.michigan.gov/difs/
Minnesota Department of Commerce – Insurance Division: http://mn.gov/commerce/industries/insurance/
Mississippi Insurance Department: http://www.mid.ms.gov
Missouri Department of Insurance: https://insurance.mo.gov
Montana Commissioner of Securities & Insurance: http://csimt.gov
Nebraska Department of Insurance: https://doi.nebraska.gov
Nevada Department of Business and Industry – Division of Insurance: http://doi.nv.gov
New Hampshire Insurance Department: http://www.nh.gov/insurance/
New Jersey Department of Banking & Insurance: http://www.state.nj.us/dobi/index.html
New Mexico Department of Insurance: http://www.osi.state.nm.us
New York Department of Financial Services – Insurance
North Carolina Department of Insurance: http://www.ncdoi.com
North Dakota Insurance Department: https://www.nd.gov/ndins/
Ohio Department of Insurance
Oklahoma Insurance Department: https://www.ok.gov/oid/
Oregon Department of Consumer and Business Services – Insurance: http://dfr.oregon.gov/Pages/index.aspx
Pennsylvania Insurance Department: http://www.insurance.pa.gov/Pages/default.aspx
Rhode Island Department of Business Regulation – Insurance: http://www.dbr.state.ri.us/divisions/insurance/
South Carolina Department of Insurance: http://www.doi.sc.gov
South Dakota Department of Labor and Regulation – Division of Insurance: http://dlr.sd.gov/insurance/
Tennessee Department of Commerce & Insurance: https://www.tn.gov/commerce/section/insurance
Texas Department of Insurance: http://www.tdi.texas.gov
Utah Insurance Department: https://insurance.utah.gov
Vermont Department of Financial Regulation – Insurance Division
Virginia – State Corporation Commission – Bureau of Insurance: http://www.scc.virginia.gov/boi/index.aspx
Washington State Office of The Insurance Commissioner: https://www.insurance.wa.gov
West Virginia Office of the Insurance Commissioner: http://www.wvinsurance.gov
Wisconsin Office of the Commissioner of Insurance: https://oci.wi.gov/Pages/Homepage.aspx
Wyoming Department of Insurance: http://doi.wyo.gov