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Better site More Traffic, Better Help On the Way for Life Insurance Shopping

Judging by the increased traffic Life Quotes InsuranceĀ has been seeing over the last few months Application Insurance Life Online Termit seems the move to a new site look and host is working out well for all of you. The old site was a bit clunky and particularly difficult for those using a mobile device. This new site works a lot better for viewing on mobile.

Getting life insurance may not be high on your priority list, but if you don’t have any it really should be on your short list of things to get done this year. Life insurance can be a bit daunting at first when you start looking into it. But in reality, its not all that complex to understand. Its just different than what most of us are used to thinking about. We aren’t really equipped to think about death. We don’t like to give up.

Life insurance isn’t about giving up. Its about being diligent for our loved ones. Its about loving those around us enough to talk about something uncomfortable and thinking about the what-ifs that we rather not consider.

Why should you use Life Quotes as a Resource?

Because we have nothing to gain by you learning here. In other words, we make no commission on a life insurance policy as a result of you learning from this site. We don’t sell insurance here. We don’t solicit any policies on behalf of any life insurance agency. This keeps us honest and keeps you in the know with totally unbiased information.

What do we gain from doing this?

Some visitors will click on ads placed on this site. If they go to an ad and buy a policy we do make a small amount on this. However, we do not choose the ads placed on this site.

Google code is placed here in the pages and Google chooses which ads make it on this site. You may have even noticed that some of the ads shown here are by companies that we don’t even rate very well in our consumer reviews. This just proves the point that we don’t choose the ads. It is completely involuntary on our part. I’m not even sure how the ads are chosen to be honest. Google probably has an algorithm or something, but I’m not sure.

Learn and then go somewhere else and buy your Life Insurance

Yes, you read that right. Learn here, then go somewhere else and get your policy. How many companies do that? Who educates their clients and then tells them to go shop for the policy or product on another site or another company? We do. Because we saw that in this industry what is needed is a little bit (a lot) of honesty. You need to know beyond a doubt you can trust what you read.

What credentials do we have?

I worked in the life insurance industry for 6 years before I retired. I have done several things throughout my career, but life insurance was at the end of my work career before retiring. I worked in life insurance long enough to know that there was a problem with the way many companies were doing business. I ran into it almost every day. The horror stories I heard while in the field were sad. Numerous clients of mine came from situations where they had been grossly taken advantage of by insurance sales people and by companies denying claims. I’ve been on both sides of the equation, so I know what some of you have gone through.

My job, my hope, is that you can learn what you need to know, then go get the policy you need with an insurance company you are confident you can trust. And I do that by not making an income from any individual life insurance product by any life insurance company. I have no reason to not tell the truth, and every reason to be brutally honest with you. I have nothing to lose by doing this and nothing to gain by trying to sell you on any company over another.

What companies are good?

Right off the top of my head; Primerica is an outstanding company to work with. They are head and shoulders better than most others life insurance companies out there. Another highly rated company is Geico (believe it or not). Geico was a huge surprise to me. I had no idea they would be as highly rated as they are (somewhere around 97% satisfaction rating). Primerica is even a little bit better than this even.

So learn with confidence, and then shop with confidence. You can do it!

What is the Insurance Joint Life Term Plan

Getting an insurance joint life term policy may be simple, but that may also mean doing a slight DSC_0037bit of legwork to not spend too much. Getting the wrong policy is a mistake that will you would be reminded of for the remainder of the term. If that term is 20 or 30 years, that is a long time to be paying too much.

Joint life term policies can also be called a last to die life insurance policy. They cover both people on the same policy. The first to die will trigger the death benefit which is paid to the survivor. In this way the policy can cover two people and offer some conclusive coverage when you need it most.

If both of the insured passes away then the proceeds will go to the contingent beneficiary. This may be the children, a business, a non profit or whatever you want. Its a good way to get coverage for less that encompasses both people needing to be covered.

When the second person passes away, then the remaining proceeds will go to the beneficiaries.


  • When you need to cover two people when both are still working, these policies are cheaper than two separate policies by themselves.
  • Easier to keep track of. One policy, one set of rules.
  • Easier to plan financially
  • very beneficial for dual household income families

If you are part of a dual income family you owe it to yourself to give the insurance joint life term policies a good look. They are simple, effective, and work for a variety of people who need coverage for two people in a household.

Why Haven’t I heard about this type of Policy before?

These policies are cheaper than two separate policies. Therefore the annual premium is a smaller amount. The reason you haven’t heard of them is probably because the agent makes more from selling two policies than from selling you one of these. The more annual premium he sells, the more money he makes. Simple math. But its not the answer you probably wanted to hear right? Well, that’s why we are here. To lay the truth out there so you can decide for yourself.

If your agent has told you about this kind of policy, then he/she likely is looking out for you and not their agent commission. This might be a good indicator you have a good agent. At the very least it says something positive about them.


For almost all of us who are part of a family where both the husband and wife are working joint life policies make a lot of sense. These are not one size fits all. Your incomes and thus your life insurance needs may vary greatly from mine, but the basic principles are the same.

One policy to cover two people against the uncertainties of death. One policy to protect your loved ones from uncertainty. These are both less expensive and more convenient than two individual policies for many of our clients.

Cheapest Life Insurance Coverage

The cheapest life insurance coverage will usually fall into some form of Term life Insurance coverage. cheapest life insurance coverageThe reason for this is simple. Term life coverage will cover your life (or the insureds life) only for a specified term and then it is gone.

Meaning, if you are still alive at the end of the term, the life insurance policy is dissolved. You lose the money you put in, but its not going to be a lot of money, so all is good.

No refunds for premiums

You don’t get any money back on these policies. But don’t think of this as a negative, this is the cost of having a cheap premium.

At the expense of a cheap premium you are covering your life during your earning years. When you are older and hopefully more financially stable the term life insurance coverage would then be gone. Its a trade off. And one that most of us prefer over more expensive whole life or other more complex types of policies.


Lets assume for a moment that you are a young 32 year oldĀ single mother. You want to remove the burden from your children should something unforeseen happen to you. A term life insurance policy would be perfect in this situation.

  • You purchase a 30 year term with a face value of 500,000
  • if you pass away during this 30 year period the face value will go to the listed beneficiary (whomever you choose)
  • if you live past the 30 year term, the policy is gone as well as all paid in premiums

These policies are very affordable as a result of this.


Site is Finally Updated

I hope you all like the new look. The update is complete, I
Rachel's Phone Pics 031do plan to add pics to every page over the coming months as I get time. The content won’t change too much other than continuing to update and keep things fresh.

Overall, I am really glad to be on a new host and to be using WordPress. The interface is so much nicer and easier to control.

With the new site I hope to make more frequent visits here and to post more often. So far, so good as I’ve already been on here several times in 2016.

Life insurance isn’t exactly one of those popular subjects that anyone is very interested in talking about. For some reason though, I like it. Life insurance is a product that says “I love you”. To me, there is something to be said about a product that does nothing for the person who buys it.

You’re not going to write home to your mom about the new policy you bought and/or who you made the benefactors of such policy. This is a quiet subject, taboo even for many of us. Yet its something that we need (most of us) and our loved ones are better for us having done our research.

My hope is that this is what you get here. My hope is that you find all you need to learn about life insurance here and as a result, your loved ones are all better off as a result of your research.

Enjoy the site!