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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. 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.

Types of Life Insurance

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. Whole life is permanent insurance that lasts as long as you make payments.

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

What Do You Want In A Life Insurance Policy?

Lowest PriceLength of CoverageSimplicityCash ValueInvestment VehicleFlexibility
Term LifeUniversal LifeTerm LifeUniversal LifeUniversal LifeUniversal Life

Try our life insurance calculator to figure out how much insurance you need.

Questions About Life Insurance

What is a life insurance quote?

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.

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 Permanent 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. 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?

Why True Blue Life Insurance?

It’s our job to make this process as easy as possible fo you. Our goal is to get you a policy at the best price, from the best-rated company, with the quickest approval possible — and we’re very good at our job. One reason is that we have access to 99% of all A-rated insurance carriers.

We represent more than 60 different insurance companies and have over 200 policies to choose from, so we can shop around and find the coverage that fits you best.

Our agents have put a lot of effort into earning True Blue’s excellent reputation with insurance companies and the underwriters who work for them.

This extra capability represents real value — something our competitors simply don’t offer.

We work for you, not the insurance company.

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 4.9 out of 5 based on 1287 Ratings
Nov 15, 2019
Travis Lewis - Michigan
Jen did a great job getting us lined up with a policy that fit our needs!
Jennifer Plisch True Blue agent
Nov 14, 2019
Shabreene Awkward Blazquez - Florida
I really appreciated Nikki's diligence and support in finding a policy that worked for me. Thank you for your timely responses, thorough explanations, and positive personality! It has been a joy working with Nikki at True Blue!
Nikki Walker True Blue agent
Nov 13, 2019
Ying Lee - California
Jennifer Plisch is a wonderful agent.
Jennifer Plisch True Blue agent
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