Know how much you want covered and more life insurance tricks: Choose a fixed price deal with guaranteed premiums. You will often have the choice of guaranteed or reviewable premiums. A reviewable premiums deal may be cheaper to purchase, but will periodically be reviewed by your insurer and could be hiked later on. Guaranteed premiums means you’ll pay the same every month, no matter what, so you’ll know exactly what you’re paying over the life of the policy.

Your health issue may not be necessarily as bad as you think and we might get you better rates with a policy that does require a medical exam. After all, if you haven’t been diagnosed with anything, you can honestly answer the questions on a no exam application and still qualify for coverage. But, even if you have health issues, you should always discuss your situation with a knowledgeable independent life insurance agent before you go out and apply for a no exam policy. Alternatively, if you only qualify for a no exam policy, we can comparison shop for you and find the most affordable no exam policy that’s right for your circumstances.

A low percentage of millennials — along with their counterparts in the preceding Generation X — believe they are likely to ever purchase life insurance, according to a 2015 study by life insurance research group LIMRA. It’s understandable: When you’re young, the last thing on your mind is what your heirs will do after you’re gone. But if you have certain financial obligations, you’ll want to have life insurance, especially if you’re buying a home or starting a family. See additional details on Life Insurance Comparison Pennsylvania.

If you have children or other loved ones who depend on the money you earn, you need life insurance. Its primary purpose is to protect your income. Life insurance helps your dependents keep on living as they would if you were still earning a paycheck. Life insurance helps replace your paycheck if you aren’t there to earn it. If you’re looking for a reasonable estimate on the amount of life insurance you should buy, start by multiplying 60% of your annual income times the number of years to retirement. This takes your salary, assumes some normal raises over time, and adds the value of your employee benefits, like healthcare. Then subtract the effect of taxes, and what it costs your family to have you around.

First, a large majority of insurance sites are actually lead generators—meaning they’ll capture your information (like a request for a quote) and sell that to multiple insurance brokers/agents who’ll try to sell you. We don’t do that. If you want insurance, our site will both give you an instant quote and allow you to get covered on your own and if you need any help, we will work with you personally. See additional info at terms4less.com.