Life Insurance Direct

Life Insurance Quotes & Information

Instantly obtain life insurance quotes and information. Check the market on your own before you talk with anyone! Also, check out Return Of Premium Term Life Insurance that gives back all of your payments.

Length of Time of Life Insurance Policy

The longer your policy remains in force, the more likely it is that the company will pay a claim, therefore the more expensive it is. That is why whole life insurance policies have the highest premium - it's insurance for your whole life, no matter when you pass on. When you have a whole life policy you have assurance that you will have coverage as long as you live. As long as you pay your premium, the company will guarantee that benefits will be paid to your heirs. That is why a 5 or 10-year term life insurance policy is the least expensive. The company is less likely to pay a claim on that term life policy.