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What Is Life Insurance?

Life insurance is a financial plan that allows you peace of mind for yourself and your family. There are numerous types of life insurance plans. Life insurance is a contract between you and the insurance company where you pay a premium (payment) that is due monthly, quarterly, or annually and they, in turn, pay out a tax-free lump sum to your beneficiaries upon your death.

How much life insurance do I need?

Our easy to use life insurance calculator will use your annual income to calculate the minimum, recommended and maximum life insurance coverage you need.

What is your age?
What is your annual income?

This includes everything from your yearly salary to overtime, tips and commissions earned.

Estimate your assets and equity:

Think checking, savings and other financial accounts, as well as property, equity, personal possessions.

How much debt do you have?

Think mortgage, vehicles, credit card debt.

Do you want to provide extra money to your dependents?

Think funeral costs (average funeral is $7,000), education (average cost for college is roughly $3,500 to $36,000 per year), or any other extra’s.

Select how much coverage you want:
Here's how much coverage you need:
Get a price

What Is The Process?


Get A Quote

Choose the term and coverage amount you want.



Compare quotes from all of the top-rated companies.



Once you start paying your premium the policy will go into effect.

What Are the Types of Life Insurance?

Term life insurance

Term life insurance provides a death benefit for a certain period of time. You have choices of 5, 10, 15, 20, 25, or 30-year policies.

When it comes to life insurance, term life insurance meets that balance of low cost and high quality. Many of these policies come with available riders (additional benefits) and offer living benefits to help you access the benefits of your policy if you become terminally or critically ill and have less than 1 or 2 years to live. For these reasons, term insurance is often the best option for those seeking the most affordable policy available.

Term insurance is also one of the simplest and cheapest forms of insurance. Straightforward and easy to understand, term life insurance gives you the protection you need for a defined period of time (up to 30 years, in some cases) without many of the costs associated with other types of life insurance.

Whole Life Insurance

Whole life insurance is a popular option for many people when it comes to helping protect their family’s financial future. Since it covers the insured for his or her entire life instead of for a limited period of time, whole life is not usually the most affordable life insurance option. Although it is more expensive, whole life does offer a way to accumulate cash value. And, in some cases with mutual life insurance companies, dividends are paid out in the form of additional face value.

While term life insurance is similar to “renting” life insurance, whole life insurance is similar to buying an asset, as it can increase in value over time and belongs to you until you die.

whole life insurance chart

Universal life insurance

Universal life insurance is a permanent life insurance policy that’s similar to whole life in that it combines a savings vehicle with lifelong (hence, “permanent”) coverage.

Universal life is a more complicated life insurance product that mimics both term and whole life. When you pay the premium for your policy, part of the premium is used to cover the cost of insurance and the other portion is used for the cash value portion. As the cost of insurance increases year over year, the growth in the cash value account helps offset the increase in the cost of the coverage. In most cases, universal life policies offer a guaranteed minimum growth rate of around 3% on the cash account, which helps ensure that the money in the policy can be used to pay on the rising cost.

Many universal life policies (guaranteed universal life) act like a term life insurance policy, with a greater focus on level premiums up to age 121 and less focus on the cash value accumulation. Because of this, we see universal life policies being purchased more by older clients who want coverage for the rest of their life and aren’t concerned about growing their cash value.

Instant issue life insurance

Unlike regular term life insurance, instant issue term life insurance has no medical exam. Additionally, there is no waiting period. When an instant issue policy application is submitted, a decision will be made in minutes, if not seconds.

As the technology age advances, the ability to instantly write a life insurance policy becomes more commonplace. With instant issue life insurance, you can request a quote in the morning and have your policy in place by dinner (and in some cases, even sooner). Using consumer reports and databases across the U.S., life insurance companies are able to analyze your risk more quickly and underwrite your policy instantly.

This is often not the most affordable life insurance option. However, as technology evolves and improves, the cost of this type of life insurance is becoming lower. An instant issue is a great option for those who need a quick life insurance policy for legal reasons or for securing a business loan.

Guaranteed issue life insurance

As the name suggests, a guaranteed issue life insurance policy (also called a guaranteed acceptance policy) provides life insurance coverage regardless of your health, or financial history.

Guaranteed issue life insurance is a policy created largely with older consumers in mind, but some companies offer these policies to people of all ages. These policies are more expensive than other forms of life insurance and carry a much lower death benefit (usually up to $25,000). Underwriting for these policies involves no medical exam and no medical questions, and the policies are approved quickly.

People who have medical conditions that make them ineligible for more standard forms of life insurance can often qualify for this type of policy. The downside to a guaranteed issue is that the total amount the policyholder pays in premiums can end up being more than the amount of the death benefit. So, we advise people to consider other insurance options before buying a guaranteed issue life insurance policy.

Guaranteed Issue Graph

Final expense insurance

Final expense insurance is a type of life insurance used to pay part or all the funeral costs. It helps to ease the financial burden that often falls on family members.

Some final expense policies also build cash value, except for pre-need or funeral policies. This cash value can be used for any purpose. You can take out a loan against the cash value, withdraw cash, or increase the death benefit.

Accidental life insurance

This type of coverage is the most straightforward of all life insurance policies. As a limited life insurance policy, AD&D insurance will cover your death if it’s solely the result of an accident.

The least expensive life insurance policy you can buy is an accidental death and dismemberment (AD&D) policy. Similar to a guaranteed issue life insurance policy, these policies require no medical exam or medical questions because they only provide coverage for death by accident (not a health-related death). Accordingly, the price for an accidental death policy is usually the lowest of all insurance policies.

This type of policy is recommended especially for college students and people who are at greater risk of being involved in an accident, such as frequent travelers. Many accidental death insurance policies also offer double the payout if the insured’s accidental death occurs on a commercial carrier, such as a plane, train, or bus.

Return of premium life insurance

Return of premium term life insurance is a product that allows you to recover all or part of the premiums you pay to the insurance company if you outlive the policy.

This is one of the least-talked-about life insurance policies on the market. A return of premium term insurance policy operates just like a normal term life insurance policy — except at the end of the policy, you get all of your money back. More traditional term life insurance policies offer the same coverage at a lower cost, but you don’t get your money back.

Since the insurance company doesn’t keep your money when a return of premium life insurance policy expires, these policies are priced more aggressively to ensure that the insurance company’s costs are covered. A return of premium policies can provide a lump sum payment of the premiums at the end of the term.

Although there are various forms of life insurance, the two main types are Term Life Insurance and Universal Life Insurance. Term life is an insurance that you buy for a set amount of time and expires when your term is up. Universal life is permanent insurance that lasts as long as you make payments.

Term vs. Whole Life Life Insurance

Why Term Life?

Lowest price


Conversion options

Choice of policy length

Term Quote

Why Whole Life?

Length of coverage

Cash value

Investment vehicle

Whole Life Quote

How Much Does Life Insurance Cost?

Policy TypeGenderAgeCoverageCost Per Month
30 Year Term LifeMale40$500,000$52.82
Universal LifeMale40$500,000$267.35

Top Reasons People Do Not Buy Life Insurance?

  • Too Expensive
  • Don’t think they need it
  • Not sure what type of policy to get
  • Not sure how much coverage they need
  • Process to confusing

Here at True Blue Life Insurance, we are here to dispel these myths.

First off, a $200,000  20-year term policy for a 40-year-old male or female will start around $15 a month.

Second, you have to ask yourself, do I have dependents or people who count on me? Getting life insurance guarantees that your family, business, funeral or beneficiary will be taken care of.

Lastly, Our agents our the best of the best and are here to help walk you through the process. If you have any question do not hesitate to call them at 480-637-5800.

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Questions About Life Insurance

What are a life insurance quotes?

An online life insurance quote is a cost comparison of what it will cost for the type of policy you are looking for. The main types of life insurance policies are term life insurance, universal life insurance, final expense life insurance, and guaranteed acceptance life insurance. Insurance premiums are affected by several factors, including the applicant’s age, health, requested coverage amount, and the length/years of coverage.

Why get life insurance online?

Nothing has made life insurance easier than the ability to buy it online. Now with a single click, you can insure not just yourself but your entire family usually within a matter of days instead of weeks. It also allows you to compare prices from many companies at once. We offer over 60 companies to compare from to make sure you the best policy for you.

What is term life insurance?

Term life insurance is life insurance that covers a specific amount of time. Typically companies offer 5, 10, 15, 20, 25, and 30-year policies. We recommend term life that has a guaranteed death benefit for the amount of time of the coverage. If you have questions see out Term Life Insurance Page.

What is the average cost for term life insurance?

The basic factors that go into your premium are your age and health. Term life insurance can be a cost-effective way to bring financial security to your family.

For a 20-year term policy with $100,000 in coverage

30 year-oldFemale- $9.00/ mo
Male- $11/mo
40 year-old
Female- $11.00/ mo
Male- $13/mo
50 year-oldFemale- $23.00/ mo
Male- $31/mo
60 year-oldFemale- $61.00/ mo
Male- $89/mo

When should I buy a term life insurance policy?

Typically term insurance is a great solution if someone is needing temporary coverage or if the premiums of a whole life policy are too expensive at the time. Dollar for dollar, term life insurance provides the most face value coverage for the cost making it a very popular option for someone on a budget. If you are seeking protection to help pay for outstanding liabilities (i.e. loans, credit card debt, mortgages, car payments, etc…) or plan for the future family need of income or education at an affordable price, term life insurance makes for a great option.

What company is the best for life insurance?

Since each company has its different way of doing things and given that “best” is subject to interpretation, the best company is the one that meets your needs in the most ideal way possible. Some companies have different rules for various health issues or personal behaviors and others are more competitive based on the niche of people they are focusing on. Price isn’t always the most important factor when shopping for insurance. This is a key reason why talking to an agent is vital, as they can better match you with companies that provide the highest quality product at the most affordable price possible.

Can an insurance company cancel my term life insurance policy?

A term life insurance policy, once in force, can only be canceled for lack of payment of the premium. Changes in health status or occupation do not allow for the policy to be canceled. However, if you purchase term insurance through an employer, union, or something similar then your coverage can be terminated at the time you are no longer eligible for benefits or no longer employed.

What is universal life insurance?

A Universal Life Insurance policy that’s similar to whole life. These policies do expire and death benefits will be paid out to the beneficiary. Typically, universal life provides a “cash value” that mimics a whole life policy on the surface but offers greater flexibility. Universal life insurance gives you the ability to change the death benefit. Unlike Whole Life, this plan is more adjustable.

What is the difference between term and whole life insurance?

The best way to understand the difference between term and whole life insurance is to look at it from the perspective of renting versus owning a home. With term life insurance, you are “renting” coverage temporarily, usually for a pre-determined length of time like 10, 20, or 30 years; however, a whole life policy is a policy you “own” for your whole life and is considered an asset. Much like owning a home versus renting one, often the “renting” option allows for a cheaper overall cost compared to owning. Neither option is “better” than the other as it solely depends on the needs of the individual.

What is “Return of Premium” life insurance?

“Return of Premium” is a common feature in many term life insurance policies that provides a full or partial refund of the premium paid at the end of the coverage period if nothing was paid out on the policy during that time. Each company that offers a return of premium has its own rules regarding it and is typically looked at as a “rider” (an optional benefit add on to an insurance policy)in many cases. A term life insurance policy with the “return of premium” benefit will often be noticeably more expensive compared to term life insurance policies without the feature. A “return of premium” benefit may not be for everyone and worth discussing with a licensed agent.

Why aren’t companies like Allstate and State Farm listed here?

Companies like State Farm, Allstate, Farmers, USAA, and others can potentially offer good products; however, the agents that work for them are “exclusive” or “captive” agents and are not legally allowed to sell or recommend any insurance product that isn’t approved by the company they are contracted with. Independent agencies like True Blue can help customers find the best policies that meet their needs because they work with other insurance companies to find coverage that best fits the individual’s needs, rather than for an insurance company with limited access to products.

How do I know which company is right for me?

The task of finding a suitable life insurance policy that best fits your needs is a daunting one. There are so many life insurance plans to choose from that the number of options available can leave you unable to make a decision. This is where True Blue agents work their magic. Customer satisfaction is a priority for us. As licensed and independent professionals, our team has the knowledge and experience to find the best choices for you and help answer your questions about these policies so that you feel confident and satisfied that your choice was the best one.

Can my premiums change with a term life insurance policy?

Possibly, depending on the type of term insurance policy you pick. This is why working with an independent agency like True Blue can answer these important questions before you buy it. Term insurance is highly competitive when it comes to premiums, so it is extremely important to know details like this by talking with one of our agents.

How do I determine how good a life insurance company is?

Many customers look at two main areas when deciding which company to go with:

  • How good is their customer service?
  • What’s their reputation on paying death benefits promptly?

Customer service is often key when it comes to having to deal with servicing your life insurance policy. Do they have good customer reviews online? Do they have easy access to get your questions answered by their support team? The key here is that you are entering a 10, 20, maybe even 30-year relationship with a company and you want to know their staff is there to take care of your needs.

Claims are another area. An insurance company is only as good as the manner and time frame in which they pay out claims. As a customer, you want to be sure your family is taken care of fully per contact with the company. What good is paying cheap premiums if they never payout in the event of your death?

About Brian Greenberg

Brian is the CEO and Founder of True Blue Life Insurance. Brian is licensed to sell life, health, annuities, and property and casualty insurance in all 50 U.S. states. He is the author of The Salesman Who Doesn't Sell and is a member of the Million Dollar Round Table, an organization that consists of the top 1% of financial advisors worldwide.

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Rated 5 out of 5 based on 1491 Ratings
Sep 18, 2020
Ross Spiritosanto - California
Jen has been excellent in every aspect of the process
Jennifer Plisch True Blue agent
Sep 18, 2020
Carl Todd - California
My experience with Jennifer was amazing. I needed to get life insurance for an SBA loan that was very complicated, and needed to be done very quickly in order to close the loan. Jennifer got me thru the process in about 1/4 of the normal amount of time. Jennifer always answered the phone even when she was on vacation. "Unbelievable" She is an expert at here job and was very nice to me even though I called about a hundred times with Questions. Thank you Jennifer. 10 BIG STARS IF I COULD GIVE THEM.
Jennifer Plisch True Blue agent
Sep 14, 2020
Ronald Tyus - Dist. Columbia
Dan was absolutely amazing. He was able to help me find a large policy for my dad (many pre-existing health conditions) in the middle of a pandemic with no medical exam. He earned every cent of this premium and I don’t know what I would have done without him. I would give him 10 stars if I could. A thousand thanks Dan. Cheers.
Daniel Price True Blue agent
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