Skip to main content

Life Insurance Guide

Life insurance isn’t one-size-fits-all, and understanding the different types can help you choose the right coverage for your needs and goals. Whether you’re considering term life for affordable, temporary protection or exploring permanent options like whole or universal life for lifelong security, we’re here to make it simple.

At AccuQuote, we break down each type of policy so you can make confident, informed decisions for yourself and your loved ones. Whether you’re new to insurance or looking to update your coverage, we’re here to guide you every step of the way. Have questions? Call us at 800-442-9899, we’re ready to help.

Quick Links

Life Insurance
Term Life Insurance
Permanent Life Insurance
How Life Insurance Works
Other Products
Indexed Universal Life (IULs)
Why Trust AccuQuote
Customer Reviews
Free Policy Review
Our Mission
Life Insurance FAQs
Life Insurance Glossary
Get a Free Quote
Contact Us

Life Insurance

At AccuQuote, we believe life insurance should be easy to understand and tailored to your needs. Whether you’re protecting your family, planning for the future, or exploring options like term, whole, or final expense coverage, we’ve got you covered. With over 30 years of experience and access to the nation’s top-rated carriers, our goal is to help your secure peace of mind without overpaying. Explore our full range of policy types to find what fits you best.

Term Life Insurance

Term life insurance doesn’t have to be complicated. This guide breaks down how it works, how much coverage you might need, and what options are available — so you can protect your loved ones with confidence and clarity.

Permanent Life Insurance

Permanent life insurance offers lifetime coverage, ensuring your beneficiaries receive a guaranteed death benefit no matter when you pass away. It’s a dependable way to secure long-term financial protection.

ROP Term Life Insurance

Return of Premium Term Life Insurance provides peace of mind by offering protection for a set period — such as 10, 20, or 30 years — and returning all your premiums if you outlive the term.

Whole Life Insurance

AccuQuote makes choosing Whole Life Insurance easy by offering expert guidance and access to top-rated carriers. With guaranteed lifetime coverage, fixed premiums, and growing cash value, Whole Life policies provide long-term protection and financial stability.

Universal Life Insurance

Universal life insurance provides flexible, permanent protection that can adjust to your evolving needs. It provides lifelong coverage, the ability to adjust premiums, and the potential to build cash value over time.

Survivorship Life Insurance

Survivorship Life Insurance is a specialized type of Life Insurance that covers two individuals. The policy’s death benefit is only paid after the passing of both insured individuals.

Guaranteed Life Insurance

Guaranteed Issue Life Insurance offers a simple, worry-free way to get lifelong coverage, no medical exams, no health questions, and no surprises. It’s designed for those who want to leave behind financial security, even if traditional insurance hasn’t been an option.

Child Life Insurance

Child life insurance offers financial protection for the unthinkable, while also building long-term value. With AccuQuote, you can apply for Child Life Insurance.

Final Expense Life Insurance

Final Expense life insurance is a simple, reliable way to set aside funds to cover the costs of dying. Policies are available up to age 85, no matter your health, and can fit your budget.

Accidental Death Insurance

With Accidental Death Insurance or Accidental Death and Dismemberment (AD&D) coverage, you can help protect your family’s financial future in the event of a serious or fatal accident.

No Medical Exam Insurance

No Medical Exam Life Insurance offers a simple and convenient way to get coverage without the need for a physical exam or lab work. It’s ideal for those who want protection quickly or may have difficulty qualifying for traditional policies.

Disability Insurance

An illness or injury can stop you from working when you least expect it. Disability insurance provides a financial safety net, replacing part of your income so you can focus on healing without putting your family’s future at risk.

Life Insurance Riders

Life insurance riders are also known as an endorsement, it is an addition to a life insurance policy that typically expands the benefits provided by the contract. Riders give you the ability to customize your coverage and add more flexibility to your policy.

Indexed Universal Life (IULs)

Indexed Universal Life (IUL) provides lifelong protection while offering cash value growth tied to a market index. It gives you the potential for gains when the market performs well, with a built-in floor that helps protect your value during downturns—making it a flexible option for long-term financial security.

Pet Life Insurance

Pet life insurance provides financial protection if your pet passes away unexpectedly, helping cover end-of-life costs and giving you peace of mind. It’s an affordable way to ensure your companion is cared for through every stage of life.

Life Insurance for Parents

As a parent, your loved ones depend on you every day. Life insurance helps protect them financially by covering key expenses and ensuring your family’s future remains secure, even in the face of the unexpected.

Life Insurance for Veterans

Whether you’re transitioning out of the military or planning for the future, comparing veteran life insurance options can help you find affordable coverage that protects the people who matter most.

Life Insurance for Seniors

As you enter your later years, life insurance becomes an important way to protect the people you care about. Senior life insurance helps cover final expenses, settle debts, and provide a meaningful gift to family — all while offering peace of mind for the future.

Life Insurance for Single Adults

Life insurance isn’t just for families; many single adults benefit from having coverage too. Whether you have debt, support loved ones, or simply want to cover final expenses, life insurance can protect the people who matter most and safeguard your financial responsibilities.

Life Insurance for Business Owners

As a business owner, your financial responsibilities extend far beyond your household. Life insurance helps protect your company, your employees, and your family by providing funds for business loans, income replacement, and succession planning.

Life Insurance for High-Income Earners

High-income earners often have more complex financial needs, making life insurance an important part of long-term planning. Beyond income replacement, it can support estate planning, tax efficiency, and legacy goals.

Life Insurance for Home-Owners

Owning a home often comes with long-term financial commitments, making life insurance an important part of protecting what you’ve built. Life insurance for homeowners can help ensure mortgage payments, housing costs, and family stability are covered if the unexpected happens.

Life Insurance for Freelancers & Gig Workers

Life insurance for freelancers can help cover income loss, debts, and family expenses if something happens unexpectedly, giving you the same financial security traditional employees often get at work.

Unmatched Expertise and Personalized Care in Life Insurance

Get A Quote

client
client
client
client
client
client
client
client
client
client
client
client
client
client