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  • Click to shop for life insurance at - Since 1989 they have assisted over 10,000,000 consumers and businesses in their search for affordable insurance. They do not sell insurance but are a consumer service that offers you a faster and easier way to shop. Currently over 5,000 agents representing over 100 companies subscribe to NetQuote...(Read more)

  • YES! Smokers can get great rates on term life insurance! Check out - Smokers usually pay more for life insurance but by buying direct through, you can get quality term life insurance for less - a lot less - than you might think. provides free online quotes on affordable term life coverage for active tobacco users. If you smoke, you can save more on your term life insurance...(Read more)

  • Click here to get a free life insurance quote from They are a FREE consumer referral service helping you find the most competitive insurance rates available. Since 1993, they have helped millions of consumers save money on their insurance. has a network of thousands of participating insurance agents and companies across the United States. Once you complete the online form, their computer system instantly attempts to match your profile to as many as five top insurance companies. Your information is immediately sent to them, they work up their best quotes, and contact you with their rates...(Read more)

  • Click for Life Insurance from - They are a 100% advertiser supported web site. They are a search engine for insurance agents and companies. Millions of insurance shoppers have used their search engine to fulfill their insurance needs...(Read more)

Consumer Tips -
Shopping for Life Insurance

  • Figure out exactly what type of life insurance you need before you contact any insurance agents.
  • Term Life Insurance - this type of life insurance is considered the best value for the money by many insurance experts. But remember that you don't build up any cash equity in the value of the term life insurance policy. Plus the annual premiums may increase each year and the policy may have be renewed each year.
  • Whole Life Insurance - usually sold with a level premium cost each period for the policy life. Cash value of the policy will be built up over the term of the policy. You may be able to borrow against the value of the policy. There are many other forms of life insurance, have your insurance agent explain the differences.
  • Research the company you are buying from. You can check the reliability of the insurance company at your local library or with your state insurance commissioner.

  • You don't need to buy life insurance on children. They don't have a family to support with their income. When they have their own family, they can buy their own life insurance. You are buying insurance to protect your family if they lose your income.
  • Have the insurance agent explain all aspects of the policy in detail. Take your time and ask questions. Ask questions before you buy.
  • Ask if there is any surrender penalty if you drop the policy.
  • Again research, research, research. Learn as much as you can about the life insurance policy and the insurance company selling the policy.
  • The insurance industry is very competitive. Shop around for the lowest premium prices with the best benefits.

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