Life & Annuity insurance quotes.
Discover the ease and excitement of securing your future with our life insurance quote and enrollment services. Your journey to peace of mind starts here! Where safeguarding your loved ones has never been simpler.
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More about Life Insurance.
If you’re looking to provide your family with peace of mind and the protection they need and deserve, a life insurance plan is your solution. Life insurance protects your family from the financial losses that could result if something happened to you. It provides financial security, helps pay off debts, pay living expenses, and any final expenses.
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Healthedly® and our partner, Ethos Life provide a quick and simple qway to get your quote and enroll online in minutes. No medical exam, instant life insurance, at your finger tips.
Term Life Insurance
Term life insurance plans cover you for a fixed period of time, such as 10, 20 or 30 years, and pays out if you die during the term. If you outlive the term and your coverage ends, your beneficiaries don’t receive the benefit.
Whole Life Insurance
Whole life insurance is the most common type of permanent life insurance and usually costs more than term life. This is because it offers lifelong coverage and pays out regardless of when you pass away.
Universal Life Insurance
Universal life insurance is a flexible permanent life insurance policy that combines a death benefit with a savings component, allowing policy holders to adjust their premiums and death benefits.
FAQs
Life Insurance
Explore our comprehensive life insurance FAQs. Dive into some frequently asked questions that can help you make an informed decision with confidence. If you still have any questions call us today.
Life insurance is a promise by an insurance company to pay those who depend on you a sum of money upon your death. In return, you make periodic payments called premiums. Premiums can be based on factors such as age, gender, medical history and the dollar amount of the life insurance you purchase. In the event of your passing, life insurance provides money directly to the individuals you select, your beneficiaries, who can use the money as they see fit, including:
- Replacing lost income
- Covering basic living expenses
- Paying household debts, estate taxes and funeral expenses
- Funding a child’s education
- Supplementing retirement savings
here are a few key differences between term and whole life insurance. Term life insurance is usually cheaper when compared to whole life. It covers you for a certain period of time and pays out if you die during that term. Whole life insurance lasts your entire life and has an investment component which can help you build cash value.
You should be able to develop a life insurance plan that, following your death, will allow your family to live comfortably without your economic contribution. Also consider the effect of inflation over time. The amount needed for retirement or college 20 years from now is likely to be significantly higher than today.
- Life insurance through your workplace is more affordable than initially presented. Many people can get term life insurance coverage from a quality company for a surprisingly low price.
- Premiums are typically based on factors such as:
- Age, sex, height and weight
- Health status, including whether or not you smoke
- Participation in high-risk occupations
- Life insurance gets more expensive as you get older, and the type of coverage you choose will also affect your premium. Rates for term insurance are typically lower, while rates for permanent policies are typically higher.
To make sure your benefits are distributed to those you intend, you must select a beneficiary. Without a validly named beneficiary, the life insurance proceeds will be distributed according to the terms of the insurance contract. This may result in proceeds going to family members such as spouse, children, parents or siblings, or it may go to your estate.
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