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Life Insurance Quotes

Insurance makes it easy to comparison shop for term life insurance quotes by making multiple top-rated life insurance companies compete for your business. First answer a few simple questions – basic information about yourself, your health and the coverage you want. Then compare real rates side-by-side from from brand name carriers. Our secure comparison engine retrieves rates instantly so you can review your options and pick the policy that's right for you.

When you're ready to buy term life insurance

You'll be able to speak with a licensed life insurance expert to explain your specific needs and objectives, and get the information you need. They'll answer any questions you have, help you make the right choice, and guide you through the rest of the process. It's really that easy.

Insurance companies

Insurance companies may be classified into two groups:

• Life insurance companies, which sell life insurance, annuities and pensions products.
• Non-life, General, or Property/Casualty insurance companies, which sell other types of insurance.

General insurance companies can be further divided into these sub categories.

• Standard Lines
• Excess Lines

Types of insurance 9

Credit

Credit insurance repays some or all of a loan when certain things happen to the borrower such as unemployment, disability, or death.

• Mortgage insurance insures the lender against default by the borrower. Mortgage insurance is a form of credit insurance, although the name credit insurance more often is used to refer to policies that cover other kinds of debt.
• Many credit cards offer payment protection plans which are a form of credit insurance.

Types of insurance 8

Liability

Liability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.