United Life Group

Life Insurance Questions

In order to better serve our website visitors, we are publishing the answers to common life insurance questions, how much life insurance do I need? We believe that educated consumers end up more satisfied with their life insurance purchase.

Of course, our online quotes are also here to help you get no-hassle and cheap life insurance from top-rated providers. You can see competitive premiums rates within seconds, and you don’t need to supply any personal information just to compare prices.

For cheap life insurance, which kind of coverage should I buy?

Term life insurance is almost always cheaper than permanent coverage. How can life insurance can protect your family?  The low price allows many families to buy a greater amount of coverage in order to provide security for a home mortgage, children’s educations, and other financial obligations. Most commonly, people choose 10-, 20-, or 30-year term life policies. For example, young families might consider 30-year term in order to match a 30-year mortgage.

Whole and universal life insurance may cost more, but they also provide lifetime coverage, and this may be more attractive to seniors or those who are interested in buying coverage and building an asset.

What’s the Best Way to Shop for a Life Policy?

For people who want a no-hassle life insurance purchase, there are even no exam life insurance policies that don’t require a doctor’s physical. Some insurers will handle everything online or over the phone. For example, if you use our quote system, you can begin to apply right on the page with the offers.

However, some very healthy people who also have a healthy lifestyle will get cheaper lie insurance premiums by submitting to a life insurance exam. These are usually very non-intrusive, easy to schedule, and paid for completely by the insurer with no obligation to the consumer.

Can You Find Cheap Life Insurance for Smokers?

Most policies do charge more for people who smoke. Usually, this is also true for any tobacco use. It’s even more more important for smokers to compare a variety of life insurance quotes before buying a policy.

How to Compare Life Insurance Quotes?

It’s always a good idea to compare premiums. Prices between different top insurers can vary quite a bit for the same policy, same coverage amount, and same applicant. Since premiums, insurance companies, and plans also vary by local area, we offer an instant, online life insurance quote systems. We help consumers find cheap life insurance deals from the best companies.

If you’re shopping for a cheap life insurance policy than chances are you have questions. We’ve tried to answer some of those questions here on our website. If you have further questions, feel free to contact one of our licensed agents at your convenience. They’ll be happy to answer any questions you may have.