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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.

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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.

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.