Life Insurance

Get a $250,000 life insurance policy for $15/month*

Life insurance is your financial safety net

Life insurance can help your family maintain the lifestyle they've grown to love and provide longer-lasting financial security. Your family can use it for funeral expenses, housing costs, medical bills not covered by health insurance, retirement income, estate considerations, children's college, debts, charitable donations and just about anything else they may need.

25% of those surveyed say one of their biggest concerns is leaving financial burdens to loved ones if they pass away. Life insurance exists to ease those worries, and you may still get a policy if you are a tobacco user, have Type 1 or Type 2 diabetes, or a chronic illness. Quote life insurance today and see how your family could be better protected.

2018 insurance barometer survey

Life insurance rates are more affordable than you might think

Life insurance rates start at $15 per month.*

Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

Customize your life insurance policy

Like any other type of insurance, you're in control of your life insurance policy. You determine how much coverage you need (from $50,000 up to a $1 million policy), how long you need it, who's covered, and when you make your payments (called premiums).

Usually, you can choose to pay monthly, quarterly, or annually for 10, 20, or 30 years of coverage, though lifetime coverage is also available. If you’ve just started a family, consider a 20-year term that would provide a financial safeguard for your kids until they’re at least 18-21. If you don’t have children, a 30-year term may be a better option. A 10-year term may be the best fit if you’re looking to supplement another policy, closer to retirement or your financial situation is tighter, but you want to provide at least some protection for your loved ones. If you’re a homeowner, you may want to consider how many years are left on your mortgage when deciding on your policy length.

When you die, if your policy is still active, the people you've listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum to an individual or family.

Life insurance policy options

  • Term life insurance

    Typically gives you the most value; term life insurance plans offer more affordable premium payments than permanent life insurance and provide coverage for a set period of time.

  • Permanent life insurance

    Provides a payout no matter what age you are when you pass away, as long as you keep paying your premiums.

  • Final expense (burial) insurance

    Designed for final expenses such as medical bills, credit card debt, and funeral costs, final expense insurance offers more affordable premium payments and doesn’t require a medical exam.

Get a life insurance quote online and compare rates in just minutes

We selected eFinancial because they work with highly rated life insurance companies to help bring you competitive rates and a variety of simplified life insurance options, such as RAPIDecision® Life—giving you the possibility to purchase life insurance with no exam.

Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies for a quick and easy approval.