Life Insurance FAQ

Buying life insurance can be a complex and confusing decision. For many people the challenge of planning for the unknown while staying within a budget can leave heads spinning. Fortunately, we've taken our years of industry experience and pulled together some of the most frequently asked questions regarding life insurance. If you have a question that is not included in this section, call our life insurance specialists at 1-800-521-7873.

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How much should I pay for life insurance?

That is the most important question of the day; you might be paying too much and not even know it. One of the main reasons why some people pay too much for life insurance is that they have not compared prices with other companies and they have simply bought a policy from their father’s insurance agent with an expensive insurance carrier. That kind of outdated thinking could be costing you a lot of money. Term life insurance rates are at all-time lows, with carriers competing for your business. A 20-year term policy with $250,000 of coverage can cost as little as $25 a month for a healthy, non-smoker. To determine what the right amount is, you have to comparison shop with multiple companies. Get quotes with the monthly budget you have in mind and compare and choose the companies that are best for your individual needs.

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