Life Insured is dedicated to finding you the most comprehensive and affordable term life insurance policy. We are also committed to making the process as easy and quick as possible - at times without home medical exams or doctor's office visits. Even if you have been denied affordable life insurance in the past due to your age or a health condition(s), our life insurance experts will work with you with and take the time to 'shop' your case to many different companies until we find the best affordable term life insurance policy for you.
- Life Insurance Coverage For All Ages
- Coverage For Smokers, High-Risk, Prior Health Issues
- Return of Premium Plans Available
Just Fill Out This Short Form For A Fast Quote.
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Just fill out this short form and you'll be on your way to finding low cost life insurance. One of our agents will contact you and discuss your unique needs and current state of health. Based on this discussion, our agent will recommend the ideal amount of life insurance you should apply for, and whether a term life insurance policy or a permanent life insurance policy is the right choice for your unique situation.
Calculating the Amount of Life Insurance You Need
To calculate the amount of life insurance coverage you need to ensure your dependants will not suffer financial hardships upon your death, we recommend that you multiply your current annual income by a factor that we can determine with you and then add the amount you have in current debts. Debts would include the total amount you have in credit card bills along with the total of all outstanding auto loans, college loans (some college loans our discharged at death), and mortgages under your name. If you can afford the monthly premiums, and would like to increase the amount of whole or term life insurance above that base amount, it is entirely up to you to do so, with some capacity law limitations.