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Text Content

View INSTANT Life Insurance Quotes Here

Compare Quotes
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 * Home
 * Life Insurance Resources
   General Info & FAQ’sCompany ReviewsTypes of Life InsuranceHigh-Risk Life
   InsurancePersonal & Family Life Insurance
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INSTANT QUOTES

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 * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut
   Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana
   Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan
   Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New
   Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon
   Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah
   Vermont Virginia Washington West Virginia Wisconsin Wyoming
   Type of Insurance: 10 Years 15 Years 20 Years 25 Years 30 Years Lifetime
 * Birthdate:
   MM 1 2 3 4 5 6 7 8 9 10 11 12
   DD 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
   29 30 31
   Year 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952
   1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967
   1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982
   1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997
   1998 1999 2000 2001
 * Gender
   Male Female
   Smoker
   Yes No
 * Health Class: Preferred Plus Preferred Standard Plus Standard
   Face Amount: $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $200,000
   $250,000 $300,000 $400,000 $500,000 $600,000 $700,000 $750,000 $800,000
   $900,000 $1,000,000 $1,500,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000
   $10,000,000
 * 
 * 
 * 
 * DISPLAY QUOTES


SPECTRUM INSURANCE GROUP

Get Instant Life Insurance Rates in Less Than a Minute

Whether your life insurance need is short term or long term, temporary or
permanent, meant as an investment or a retirement vehicle, we will give you the
best life insurance quotes instantly.

We’ve helped over 10,000 people find affordable life insurance, and will help
you get the best possible life insurance rates no matter your situation.

We will compare companies, policies, and rates, to help you determine the right
life insurance policy that matches your unique needs.

--------------------------------------------------------------------------------

We Represent Over 20 Life Insurance Companies To Save You Money



--------------------------------------------------------------------------------


WHICH TYPE OF LIFE INSURANCE IS RIGHT FOR YOU?

Below are the types of policies we can help you find.

Burial Insurance PlansTerm Life InsuranceCheap Life Insurance PoliciesLife
Insurance for Seniors Over 60Mortgage Life InsuranceKey Man Insurance (for
businesses)No Medical Exam Life InsuranceSecond To Die PoliciesLevel Term Life
InsuranceHigh Risk Life InsuranceDecreasing Term Life InsuranceOther Types of
Life Insurance

Get Your Own Life Insurance Quote!

--------------------------------------------------------------------------------


LIFE INSURANCE RESOURCES

Life insurance can be a confusing topic to some people. Our experienced agents
have written over 100 articles on this website to help you better understand how
life insurance works. From guides on the different types of life insurance to
company reviews, we can help you become smarter and make better decisions about
your life insurance policy.

Each section below has over a dozen resources on life insurance written by
experts.

 * General Life Insurance Information & FAQs
 * Different Types of Life Insurance
 * Life Insurance Company Reviews
 * High-Risk Life Insurance for Different Heath or Medical Issues
 * Personal or Family Life Insurance

--------------------------------------------------------------------------------


ABOUT SPECTRUM INSURANCE GROUP

We have decades of experience in the life insurance industry. Our licensed
agents work with over 20 of the best life insurance companies and compare their
rates for you so that you can find the cheapest policy with the best benefits.



Here are just a few of our accomplishments.

 * Our team of agents is licensed in all 50 states and the District of Columbia.
 * For years, we’ve helped 1000’s of people in all different situations find
   affordable life insurance.
 * Our agents & expert writers have been featured in places like Forbes, Yahoo
   Finance, NerdWallet, Bloomberg, and the Huffington Post.

With life insurance, every person’s needs are unique. Finding life insurance for
diabetics is different than finding life insurance for cancer patients or life
insurance for a pilot who is healthy, for example.

We’re dedicated to educating you, and helping you get the right type of life
insurance policy for your situation.

Read More About Us Here


You can read any of our over 100 life insurance articles on this site, or fill
out our quote tool and call to quickly find the best rates.

Let’s first take some time to answer some of the basic questions about life
insurance.

--------------------------------------------------------------------------------


WHAT IS LIFE INSURANCE?

Life insurance is financial protection for your loved ones in the event of your
untimely or unexpected death. Premiums are paid by policy owners, typically
monthly, in exchange for protection in the form of a death benefit.

For example, if you purchase a 10 year term life insurance policy for $100,000
in protection, then your family will receive $100,000 in the event of your death
during the 10 years, as long as you make your monthly payments.


TYPES OF LIFE INSURANCE

Life insurance comes in many forms. The most popular types of life insurance
include:

 * Term Life Insurance
 * Burial Insurance
 * Guaranteed Issue Life Insurance
 * No Medical Exam Life Insurance
 * Whole Life Insurance

Learn The Different Types Of Life Insurance


Keep in mind, there are features of these types of life insurance that do
overlap. Most burial insurance plans, for example, are also whole life insurance
policies.

To put it simply, all life insurance products can be reduced into two types of
life insurance policies.
1) term life insurance
2) permanent life insurance

There are different types of term life insurance and permanent life insurance
that we cover on this website. But know that all policies fall into one of those
two categories. You should compare term vs whole life insurance to decide which
is best for your needs.

--------------------------------------------------------------------------------


WHO NEEDS LIFE INSURANCE?

We recommend life insurance for anyone who has financial dependents. This can
include but is not limited to parents, spouses, grandparents, homeowners,
business owners and more.

There are other cases where life insurance is a good idea, like for estate
planning, or if you want to leave a legacy.

Some of the most common people to purchase life insurance are:

 * Seniors over 60
 * Families with young children
 * People over 50 with dependents
 * People with high risk medical conditions

Compare Affordable Life Insurance Quotes!

--------------------------------------------------------------------------------


HOW MUCH DOES LIFE INSURANCE COST? 

Life insurance costs vary per person based on a number of different factors:


 * Age & Health
 * Lifestyle & Occupation
 * Family & medical history
 * Policy type
 * Company

For example, life insurance for dialysis patients is going to cost more than a
policy for a healthy adult. Even life insurance for smokers with no health
problems often experience higher life insurance rates.

Women also receive an average of 10-20% lower life insurance rates because they
have a longer life expectancy than men.

If you take a medical exam, you’ll generally get better rates. However if you’re
in good health you can get over one million dollars of life insurance without an
exam.

Get Your Life Insurance Quotes Here!

--------------------------------------------------------------------------------


FIND YOUR BEST LIFE INSURANCE POLICY TODAY

Finding the best life insurance policy takes a lot of understanding, time, and
effort.

While you can compare instant life insurance rates and policy options online
easily, the best way to know you are analyzing the best coverage options for you
is to speak with a life insurance agent.

Give us a call today, or get started using our online life insurance quote tool.

--------------------------------------------------------------------------------


COMPARE LIFE INSURANCE QUOTES

Find Your Best Rates



Life Insurance We Offer



 * Burial Insurance
 * 10 Best Companies
 * 8 Best Cheap Life Insurance
 * No Medical Exam Life Insurance
 * What is Term Life Insurance
 * Key Man Life Insurance
 * Seniors Over 60 Life Insurance
 * High Risk Life Insurance

--------------------------------------------------------------------------------

 * Blog
 * About
 * Contact
 * Privacy
 * Terms of Services

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© 2023 Spectrum Insurance Group. All Rights Reserved.

4225 Executive Square, Suite 600,
La Jolla, CA 92037
800-611-9622

This site provides life insurance information and quotes. The rates and
information displayed are based on information provided by the life insurance
carriers. It should be used for informational purposes only and is subject to
change. No portion of spectruminsurancegroup.com may be copied, published or
distributed in any manner for any purpose without prior written authorization of
the owner. Spectruminsurancegroup.com offers life insurance products and
services through licensed insurance agent Bennett Bier and his agents only where
licensed. We are licensed in all 50 states & the District of Columbia.