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Before you compare life insurance rates, it’s important to understand the value of life insurance as well as what  you need from a life insurance policy.There are many options, and choosing the right policy for your needs can help ensure that you’re family is protected.

Life Insurance FAQ

When comparing life insurance rates, you may have questions or concerns. Below are the answers to some frequently asked questions. 

Why should I purchase life insurance?

First, consider why you are purchasing a life insurance policy. Life insurance is not a replacement for the contribution you make to your family. However, it is a way to make sure your loved ones are financially secure when you are gone. With a life insurance policy, your family will receive financial assistance when they need it most. 

How can I compare life insurance rates?

To start, look at the type of policy offered. 

  • Term life insurance policies come with a set premium and payout for a designated number of years (the term).
  • Permanent policies offer life-long coverage, but they tend to come at higher rates than term life coverage.
  • Final expense policies can help you pay for costs associated with a burial, funeral service, or medical expenses.

Then, compare other factors in the life insurance plans: find out if there is a waiting period before the coverage begins and if there are any factors that could affect the payout. Comparing these factors will help you decide on the best policy for you and your family.

How do I know how much life insurance I need?

There are several tools that can help you determine how much life insurance you need, like this life insurance calculator from Bankrate. 

It is also helpful to speak with a licensed insurance representative, like the knowledgeable and friendly representatives at HealthMarkets.

Nick from Intervale, NH, told us that he “needed clear, unbiased advice and got it from HealthMarkets.” We will provide the same service to you at no additional cost. To start comparing life insurance rates, contact us today. You can also check out our YouTube channel to learn more about our services.


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