Learn - AccuQuote

Have you ever wondered about questions like these:

What is the best KIND of life insurance to buy? IS there a BEST KIND?
How much is this going to cost me?
Can I still get life insurance if I have diabetes? A heart condition?
How do I get coverage if I’ve been turned down for life insurance in the past?
Can I really save up to 70% like all the ads say? What’s the catch?
Should I lie on my application so the insurance company won’t know about my health problems and risky activities?
Is there a way to get life insurance without a medical exam?
How much life insurance is enough? How much life insurance is too much? (Many people may be able to afford a million-dollar policy if they wanted one)

How about these…

Are insurance companies trustworthy? (Since the Great Recession, this question is on a lot of people’s minds)
What KIND of life insurance do life insurance agents buy?
What is the agent’s commission when they sell you a life insurance policy?
My car insurance company tried to avoid paying me when I filed a claim. How do I know the insurance company won’t do the same thing?
I have insurance from my job. Why the heck should I buy more?

If you have questions, we believe you DESERVE answers. (Call us crazy)

No cute catchphrases. No mumbo-jumbo you need a Ph.D. to understand. Simple, straightforward answers.

So we’re pulling back the curtain and revealing everything you could ever want to know. Life insurance is too important to be a mystery.

Whether you’re the kind of person who wants to know everything about a subject before making a decision… or if you’re just looking for someone you can trust to guide you through the process…

We are here for you. We’d love to educate you about life insurance. We’ve found that smart customers are good customers. You can be confident that you’re dealing with experts.

Here on the site, you have access to information and tools you can use to find answers for many of your questions. Our goal is to as simple as possible to make the educated decisions when it comes to life insurance and financial planning.

Click one of the blue boxes below to learn more.

Still have questions? Call 800-442-9899 to speak with one of our experienced, caring professionals.

How Much Life Insurance Do I Need?

You don't get a second chance on this question.

Let’s do the math: Are you taking care of funeral costs or planning to leave a lasting legacy? Will your family have enough money to keep the house, pay the bills, send the kids to college, etc.?

Find out how much life insurance you need with the calculator on the right. (You’ll need this number when you’re requesting your free quote.)

Learn More

Annual income before tax: $
Annual income is an important factor in determining your needs, but it’s not the only one. When you die, life insurance is like your final paycheck.
% of income needed by dependents:
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Because you’ll be gone, presumably they won’t need as much as you’re currently earning. Typically, 80% of your current income is a good place to start.
Your Age: years
The younger you are, the more years of your income your family stands to lose when you die.
Number of years benefits are needed:
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If you die tomorrow, how many years of income do you want to provide for your family?
Annual inflation rate (estimate):
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Because of inflation, in order to maintain your family’s current standard of living, you’ll need to plan for increases in their annual income to keep pace. Historically, inflation has averaged between 2% and 4%.
Annual interest rate (estimate):
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This is an assumption as to how much you believe your spouse will be able to earn on the death benefit proceeds. We have found that most surviving spouses are usually very conservative in how they invest the death benefit. The most common thing we see is that the money gets deposited into a bank account. You know your spouse better than anyone. Pick a number that you feel your spouse will be able to comfortably earn on the proceeds.
Based on the information you provided, you need about
of life insurance to replace your income for the next years.

If you’d like to re-calculate your insurance needs, please click the button below.

AccuQuote Learning Center

Have you ever wondered about questions like these:

How about these…

Life Insurance

LTC Insurance

Disability Insurance

Why Should You Trust AccuQuote?

How Much Life Insurance Do I Need?

AccuQuote Blog

The Lowdown on High Cholesterol and Life Insurance

Is There Life Insurance for a Child with Special Needs?

Life Insurance: Frequently Asked Questions

Life insurance beneficiaries: Who gets what, and when?

Can Being Pre-Diabetic Stop You from Getting Life Insurance?

How Guaranteed Universal Life Insurance Can Save You

Can I Get Non-Smoker Life Insurance Rates if I’m Only Vaping?

Can Prostate Cancer Survivors Get Life Insurance?

What Is Breach of Utmost Good Faith?

Can I Get Life Insurance if I’m Not a U.S. Citizen?