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Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.


 

Our Top Life Insurance Carriers

 


Every day, people depend on North American to help with their financial protection needs. It’s a commitment we’ve been making since 1886, and we work hard to help our customers handle the realities of  today—while planning their dreams for tomorrow. Unlike many life and annuity companies, North American is not publicly traded, which means we’re not subject to short-term earnings pressures often faced by publicly traded companies. Our sound investment choices helped us earn strong A+ ratings from A.M. Best and Standard & Poor’s.* We provide financial protection for your loved ones with a simplified life insurance policy. No doctor appointments. No waiting periods. Just one phone call.  
Watch our Informational Video to see how easy it is to protect your loved ones!


Nearly 85% of Americans say most people need life insurance; unfortunately only 62% have coverage and a staggering 33% say they don’t have enough life insurance, including one-fourth who already have life insurance coverage.** Nobody wants to be a statistic - especially during a period of grief. That’s why 5Star Life Insurance Company developed its FPP policy - to ensure you and your loved ones are covered during a period of loss. The policy guarantees your premiums will never go up, guarantees your benefits will never go down regardless of changes to your age or health, and guarantees your policy can never be canceled as long as premiums are current. In addition, there are no war and terrorism exclusions — once the policy is issued, it’s valid worldwide






ForestersTM heritage as a fraternal benefit society — a member-based life insurance provider for everyday families — is the foundation for our guiding principle: enriching the lives of our members, their families and the communities they live in. More than a century later, this continues to set Foresters apart. We’re not another faceless financial institution. Foresters is an active part of your life, at every stage. Foresters is founded on championing the well-being of families. Our stability and financial strength ensure that we can deliver the lifestyle protection, innovative benefits and community support that serve our families and their neighborhoods. 




Fidelity Life was established over a century ago to provide affordable life insurance to the growing middle class. More than ever, we are committed to that mission today and help hundreds of thousands of people, just like you, save on term life insurance.



To adapt to a family's changing needs, in-force term life insurance may be converted to permanent life insurance without additional evidence of insurability. Term life insurance, simply put, is life insurance that lasts for a specific period of time. Because people's needs vary even within the term life insurance category, we offer term product choices - so that the term coverage you select best matches your needs.




(AGLA) understands the needs of middle market consumers and Main Street small business owners and designs superior, differentiated solutions to meet their needs. AGLA's flagship Quality of Life... Insurance® suite of products includes riders to help with the costs of certain critical or long-term illnesses. AGLA delivers its innovative solutions through a full-time employee field force as well as closely allied independent producers, all of whom provide personal customer service. 





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