Quick and easy life insurance quotes

Life insurance is a type of insurance policy that protects your loved ones financially if something happens to you. If you pass away while your life insurance policy is in effect, your beneficiary will get a cash payment that’s typically tax-free and comes with no strings attached. They can use those funds to pay for day-to-day living expenses, a mortgage, college loans, your final expenses, or any other financial needs.

You can choose from either term life insurance, an affordable type of life insurance that you can buy for a set period of time, or permanent life insurance, which provides lifelong coverage as long as you pay your premiums. Consider comparing life insurance quotes online to better understand what fits your budget and needs.

Ask yourself: Does anyone depend on you for their financial well-being? If so, you likely need the peace of mind that life insurance provides. It’s smart to get covered if:

• Someone depends on your income
• You have young kids (even if you’re a stay-at-home parent)
• You have outstanding debt, like a mortgage payment, car lien, student loans, or medical bills that health insurance or Medicare supplemental plans don’t cover
• You want a way to leave a lasting legacy for your family
• You want to get a head start on your estate planning

Buying life insurance can help you meet these needs and stay prepared for what the future brings. eFinancial is here to help you get started.

Wondering if you can afford life insurance coverage? The peace of mind that life insurance provides is priceless, and it often costs less than you think. In fact, a recent study found that most people think the cost of life insurance is three times higher than it actually is. A $250,000 term life policy for a healthy 30-year-old woman can start as low as $15 a month with eFinancial.

Some factors that affect the cost of life insurance include:

• The type of policy you choose, along with the coverage length and amount. Typically, term insurance is the most affordable type of coverage, with flexible premiums based on your coverage length and amount.
• Your age. Life insurance rates go up as you get older, so think about locking in lower rates now.
• Your overall health. Life insurance companies look at your family and health history to determine policy cost.
• Smoker status. If you smoke cigarettes or cigars, chew tobacco, or vape, now is a great time to quit. Nicotine use can directly affect your premium rates.
• Your gender. Typically, men tend to pay more than women.
• Your hobbies. Life insurance companies evaluate the types of hobbies and activities you do that could affect your rate, like skydiving, scuba diving, or flying a private plane.

• Shop and research plans by comparing quotes online or with one of our dedicated insurance agents. We can help you navigate the differences between options like term and whole life insurance, and answer any other questions you may have. 
• Select and apply for a policy that fits your and your family’s needs. You can get same-day coverage through eFinancial, in many cases.
• Buy and pay for your policy either in monthly or annual installments. Review your policy regularly to make sure it still fits your needs.
• Claim peace of mind and financial security for your loved ones. If you die while your policy is active, your loved ones can get a tax-free cash payout.

Learn more about the life insurance buying process here.

At eFinancial, we work hard to make sure you get an accurate online life insurance quote.

We believe in personalizing your entire life insurance experience, which means we’ll go beyond the basics. Of course, keep in mind that an online quote is only a starting point. Our online guide can estimate your life insurance rates, but our licensed agents will work closely with you by phone to further customize your quote around your exact needs.

Not necessarily. The law states that the price of any insurance policy is the same whether you buy from the life insurance company itself, an agent, or a broker. That means you’ll find the same rates shopping directly with a life insurance company or shopping with eFinancial, while also enjoying the convenience and guidance our agents can provide. At eFinancial, our team can help you compare and purchase term life insurance, permanent life insurance, and final expense insurance from top-rated companies. Our goal is to make buying life insurance easier, faster, and more affordable, so you can protect your family with confidence.

eFinancial works with trusted insurance companies to help you find the best fit for your needs and budget. Different companies may offer better rates and plans for you based on your situation. At eFinancial, you can start by comparing personalized life insurance quotes online in just one minute. Then, give one of our agents a call to discuss your options. We’ll help you get the best value for you and your family.