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Life Insurance
Help Protect Your Family's Future
The right life insurance can be a safety net for your family.

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Millions have chosen us to help safeguard what matters most

Why do people love working with Acrisure for their life insurance needs?

  • Saves You Time

    Insurance quotes from multiple insurance companies in one spot, saving you time.

  • Efficient Process

    Life insurance doesn't have to be complicated—we help simplify it for you.

  • Insurance Expertise

    Our licensed agents with life insurance expertise are ready to help!

Policy Types

Find the life insurance policy that works for you

Life insurance is designed to help provide financial security to family members or loved ones in the event of the policyholder's death. Term life insurance is generally the most popular though other life insurance types may better suit your needs.
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  • Term Life Insurance

    Offers fixed and generally more affordable premiums, provides coverage for a specific period of time (typically 10-30 years) and pays out a death benefit if the insured passes away during that time.

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  • Whole Life Insurance

    Offers fixed premiums, cash value growth, life-long coverage (as long as your premiums are paid), generally tax-free benefits, and a savings component that can typically be borrowed from.

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  • Universal Life Insurance

    A life-long coverage option that typically offers lower and adjustable premiums, generally tax-free benefits and the ability to earn interest and borrow from the cash value.

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How It Works

More peace of mind in just three steps

  • Tell us about yourself

    We'll ask some questions about your life and family.

  • Make your choice

    We'll provide policy quotes based on your policy needs.

  • Purchase your policy

    Conveniently buy online or get help from our licensed agents.

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Knowledge

Good to know when considering life insurance

Life insurance coverage can vary by policy

Life insurance policies will typically cover most causes of death, including circumstances such as accidental death, natural death, or homicide, depending on the specific policy.

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Your premium depends on different factors

A premium is the amount you pay your insurance company to keep your life insurance policy active. The premium amount can depend on many factors such as, for example, the policy type and length of term, the amount of coverage needed, and the policyholder's age, health status, occupation, hobbies, and lifestyle habits such as smoking or excessive drinking.

You can buy life insurance to cover other people

Life insurance policies may be purchased for third parties, including family members (with their consent). Business owners may purchase life insurance to protect their business interests or to fund a buy-sell agreement with business partners.

You can borrow from some life insurance policy types

It's possible to borrow from whole life insurance and universal life insurance policies, as these policies can accumulate a cash value over time, which may be borrowed against.

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Life insurance plays a role in adapting to life's changes

It is important to start considering life insurance options after hitting personal milestones such as getting married, starting a family, buying a home or starting a business. It can help provide a financial safety net for beneficiaries and can offer peace of mind for those who have dependents relying on them for financial support.

FAQ

Common questions about life insurance

  • When should I get life insurance?

    While there is no one “right” time to purchase life insurance, it is worth considering purchasing a life insurance policy when a major life event, such as marriage, the birth of a child, or the purchase of a new home, occurs.

  • How much life insurance do I need?

    Determining how much life insurance someone needs can depend on a variety of factors, such as their current financial situation, future financial goals, and the needs of their loved ones in the event of their death. A common rule of thumb is to have coverage that is equal to 10-12 times their annual income, but this may vary depending on individual circumstances.

    An Acrisure licensed insurance agent can help you assess your specific needs and determine an appropriate coverage amount.

  • If I have life insurance through my employer, do I need additional coverage?

    It depends on the specifics of the employer-provided life insurance policy and individual circumstances. In some cases, the coverage provided by an employer may be sufficient to meet someone's needs. However, it is important to consider factors such as the amount of coverage, the length of the policy term, and whether the policy is portable or can be transferred to a new employer if someone changes jobs. Additionally, employer-provided life insurance may be subject to certain limitations or exclusions.

    It's crucial to assess whether the employer-provided coverage is adequate for your specific needs.

  • How do I know what term length for life insurance I should use?

    Choosing the right term length for a term life insurance policy involves assessing long-term financial goals, family needs, outstanding debts, and the anticipated duration of financial responsibilities such as mortgages and education expenses. Consider the number of years it will take for dependents to become financially independent, and factor in affordability, retirement age, and any potential changes in health or life circumstances.

    A common rule of thumb is to choose a term length that matches the length of time expect to be financially responsible for your dependents. An Acrisure licensed insurance agent that specialized in life insurance can help you determine the right term length for you.

  • How much does life insurance cost?
    Life insurance rates depend on several factors, like age, medical history, nicotine use, lifestyle, and the type of policy chosen. In general, the healthier and younger a person is, the lower their policy premiums will be.
  • Who needs a life insurance policy?
    Anyone who has loved ones that depend on them financially may benefit from having a life insurance policy. This includes people with spouses, children, or other dependents, as well as business owners who want to protect their business interests. Ultimately, the decision to purchase life insurance depends on individual circumstances and financial goals.
  • What is a beneficiary in life insurance?

    A life insurance beneficiary is an individual or entity designated by the policyholder to receive the death benefit in the event of the insured person's death. Beneficiaries can be individuals or entities like trusts, charities, or organizations.

    There are several types of beneficiaries, including:

    Primary Beneficiary: The first in line to receive the death benefit.
    Contingent Beneficiary: Designated to receive the death benefit if the primary beneficiary is unavailable or unable to do so.
    Revocable Beneficiary: Beneficiary designation can be revoked at any time without needing the beneficiary's consent.
    Irrevocable Beneficiary: Requires the policyholder to obtain the beneficiary's consent before making any changes to the designation.

    Who can be named as a beneficiary? Any person or entity that the policyholder designates to receive the death benefit in the event of their passing. This can include a spouse, children, other family members, friends, or a charity.

  • How can I save money on life insurance?

    There are several potential ways to obtain a competitive rate on a life insurance policy. For example, it is important to maintain a healthy lifestyle, not smoke, exercise regularly, and maintain a healthy weight. Additionally, choosing a policy with a lower death benefit or shorter term length may result in a lower premium.

    An Acrisure licensed insurance agent can help you assess your specific needs, find appropriate coverage, and compare quotes from multiple insurance companies to help you save.

  • When should I get life insurance?

    While there is no one “right” time to purchase life insurance, it is worth considering purchasing a life insurance policy when a major life event, such as marriage, the birth of a child, or the purchase of a new home, occurs.

  • How much does life insurance cost?
    Life insurance rates depend on several factors, like age, medical history, nicotine use, lifestyle, and the type of policy chosen. In general, the healthier and younger a person is, the lower their policy premiums will be.
  • How much life insurance do I need?

    Determining how much life insurance someone needs can depend on a variety of factors, such as their current financial situation, future financial goals, and the needs of their loved ones in the event of their death. A common rule of thumb is to have coverage that is equal to 10-12 times their annual income, but this may vary depending on individual circumstances.

    An Acrisure licensed insurance agent can help you assess your specific needs and determine an appropriate coverage amount.

  • Who needs a life insurance policy?
    Anyone who has loved ones that depend on them financially may benefit from having a life insurance policy. This includes people with spouses, children, or other dependents, as well as business owners who want to protect their business interests. Ultimately, the decision to purchase life insurance depends on individual circumstances and financial goals.
  • If I have life insurance through my employer, do I need additional coverage?

    It depends on the specifics of the employer-provided life insurance policy and individual circumstances. In some cases, the coverage provided by an employer may be sufficient to meet someone's needs. However, it is important to consider factors such as the amount of coverage, the length of the policy term, and whether the policy is portable or can be transferred to a new employer if someone changes jobs. Additionally, employer-provided life insurance may be subject to certain limitations or exclusions.

    It's crucial to assess whether the employer-provided coverage is adequate for your specific needs.

  • What is a beneficiary in life insurance?

    A life insurance beneficiary is an individual or entity designated by the policyholder to receive the death benefit in the event of the insured person's death. Beneficiaries can be individuals or entities like trusts, charities, or organizations.

    There are several types of beneficiaries, including:

    Primary Beneficiary: The first in line to receive the death benefit.
    Contingent Beneficiary: Designated to receive the death benefit if the primary beneficiary is unavailable or unable to do so.
    Revocable Beneficiary: Beneficiary designation can be revoked at any time without needing the beneficiary's consent.
    Irrevocable Beneficiary: Requires the policyholder to obtain the beneficiary's consent before making any changes to the designation.

    Who can be named as a beneficiary? Any person or entity that the policyholder designates to receive the death benefit in the event of their passing. This can include a spouse, children, other family members, friends, or a charity.

  • How do I know what term length for life insurance I should use?

    Choosing the right term length for a term life insurance policy involves assessing long-term financial goals, family needs, outstanding debts, and the anticipated duration of financial responsibilities such as mortgages and education expenses. Consider the number of years it will take for dependents to become financially independent, and factor in affordability, retirement age, and any potential changes in health or life circumstances.

    A common rule of thumb is to choose a term length that matches the length of time expect to be financially responsible for your dependents. An Acrisure licensed insurance agent that specialized in life insurance can help you determine the right term length for you.

  • How can I save money on life insurance?

    There are several potential ways to obtain a competitive rate on a life insurance policy. For example, it is important to maintain a healthy lifestyle, not smoke, exercise regularly, and maintain a healthy weight. Additionally, choosing a policy with a lower death benefit or shorter term length may result in a lower premium.

    An Acrisure licensed insurance agent can help you assess your specific needs, find appropriate coverage, and compare quotes from multiple insurance companies to help you save.

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