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What is Life Insurance?

And why you need it

There are many different options when buying life insurance. It can seem complicated, but essentially there are two kinds of policies: term life insurance and whole life insurance. There are more insurance plans that fall into these two categories. Each of them has their own drawbacks and benefits. One of our agents can walk your through your best option.

Life Insurance Basics

Types of Life Insurance


Set number of years

Set number of years

Other benefits

Paying for death benefit that goes to beneficiaries in the event of your death.


Usually $30-40/ month for a 30-year $500,000 policy, age dependent.


    Set number of years

    Does not expire

    Other benefits

    Death benefit + cash value that grows over time


    Can cost more than term life policy

      Have any Questions?

      We’ve got you covered!

      Who needs Life Insurance?

      The general rule is you only need life insurance if you have dependents. Dependents are children who still live at home, a spouse, sibling, or aging parents. A dependent could be anyone who is financially dependent on you.

      What type of Life Insurance should I get?

      Term life insurance policies are typically the best for those who need life insurance. They are usually the most affordable and simple to understand. However, other life insurance policy types can be just what you need. Ultimately, you should speak with an agent to determine the best company and policy for you.

      What kind of insurance plans do you offer?

      At InsurancePlans, we offer insurance plans of all kinds. This includes Medicare, health, life, auto, and home.

      Is it cheaper to buy insurance through InsurancePlans?

      Each family has a very specific lifestyle and income. InsurancePlans instantly shops and compares rates for you to find the coverage that best fits your unique needs and budget.

      How do you help people find the right plan?

      We can help you find insurance plans of all kinds. We represent many top-rated insurance companies. You can be sure to find the plan that matches your unique need.

      What makes InsurancePlans different?

      InsurancePlans is your one stop for medical coverage. The difference is that it’s our top priority to give you peace of mind that you and your family are protected.

      Is InsurancePlans an insurance company?

      InsurancePlans is not an insurance company. We shop some of the most trusted insurance companies on your behalf, making the process simple and convenient.

      We help you save time and money so you can focus on what’s important in your life. is an online lead generator that works with our network of businesses to provide you with insurance quotes. We strive to help individuals and businesses match with smarter product or service coverage options. is not a licensed broker, carrier or direct provider of insurance products or services. You may be required to submit health information to receive a quote. The information you choose to submit will help improve the accuracy of your quote results.  All product names, logos, and brands are property of their respective owners. Use of these names, logos, and brands does not imply endorsement.

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