From finding the right policy to the right company, we’re here to help you with buying life insurance that meets your family’s needs.
Life may change, but the need to protect your family doesn’t. Explore term, permanent, and final expense plans to find the best type of life insurance policy for your family, now and in the future
This affordable life insurance policy provides financial protection for a specific time period.
Permanent insurance offers lifelong protection and an opportunity to build cash value over time.
After a loss, final expense insurance can cover more than just end-of-life expenses.
| Term Life | Whole Life | |
|---|---|---|
| Length of Coverage | Choose the term that works for you (10, 15, 20, 30 years) | Lasts your lifetime—as long as you continue your payments |
| Premiums | Typically, the most affordable life insurance | More expensive than term for same coverage amount |
| Medical Exam | Options to waive exam | Typically required |
| Cash Value | None | Policy may build cash value on a tax-deferred basis |
Your life insurance needs are as individual as you are. That’s why we work with providers to give you the options you need to customize your plan. Life insurance riders are optional features that you can add on to your policy. Riders allow you to adapt your coverage to fit your needs, whether you need extra support for a chronic illness or want to add insurance for a minor. Once you’ve bought a rider, it will remain active for as long as your policy does.
An accidental death benefit offers your family a payout if you die in an accident, such as a car crash or workplace incident. They can use the payment as extra income for everyday expenses, end-of-life costs, debt, or anything else they need. Some insurance types also cover non-fatal, severe injuries like limb loss, paralysis, or comas.
We’re committed to helping individuals, couples, and families like you find the best life insurance to meet your needs. We want to support you from application to approval and beyond, so you can get covered as quickly as possible, no matter the life insurance type. With eFinancial, you’ll get:
Wondering about the term vs. whole life insurance pros and cons? While term life insurance and whole life insurance both often come with a tax-free cash payment to help protect your family financially, they each offer different advantages for different coverage needs. If you’re weighing the pros and cons of term life insurance and whole life insurance, here’s a closer look at how each option works.
We’re proud to work with top-rated providers like Fidelity Life, Protective, Mutual of Omaha, Corebridge, Prudential, and Transamerica. Each of these companies meets our high standards for financial strength, quality, and exceptional customer support. Click a logo below for more information.
Life insurance is a type of insurance policy that protects your loved ones financially if something happens to you. If you pass away while your life insurance policy is in effect, your beneficiary will get a cash payment that’s typically tax-free and comes with no strings attached. They can use those funds to pay for day-to-day living expenses, a mortgage, college loans, your final expenses, or any other financial needs.
You can choose from either term life insurance, an affordable type of life insurance that you can buy for a set period of time, or permanent life insurance, which provides lifelong coverage as long as you pay your premiums. Consider comparing life insurance quotes online to better understand what fits your budget and needs.
Buying life insurance can help you meet these needs and stay prepared for what the future brings. eFinancial is here to help you get started.
Wondering if you can afford life insurance coverage? The peace of mind that life insurance provides is priceless, and it often costs less than you think. In fact, a recent study found that most people think the cost of life insurance is three times higher than it actually is. A $250,000 term life policy for a healthy 30-year-old woman can start as low as $15 a month with eFinancial.
Some factors that affect the cost of life insurance include:
Learn more about the life insurance buying process here.
At eFinancial, we work hard to make sure you get an accurate online life insurance quote.
We believe in personalizing your entire life insurance experience, which means we’ll go beyond the basics. Of course, keep in mind that an online quote is only a starting point. Our online guide can estimate your life insurance rates, but our licensed agents will work closely with you by phone to further customize your quote around your exact needs.
Not necessarily. The law states that the price of any insurance policy is the same whether you buy from the life insurance company itself, an agent, or a broker. That means you’ll find the same rates shopping directly with a life insurance company or shopping with eFinancial, while also enjoying the convenience and guidance our agents can provide. At eFinancial, our team can help you compare and purchase term life insurance, permanent life insurance, and final expense insurance from top-rated companies. Our goal is to make buying life insurance easier, faster, and more affordable, so you can protect your family with confidence.
A medical exam may be required to see if you qualify for the policy you want and to determine the rate you will pay. This exam is about 20-30 minutes long and performed by a certified paramed. The paramed will record your blood pressure, pulse, height, and weight and record answers to questions about your medical history. Depending on the health information you give in your application, you may also need to provide blood and urine samples and take other tests. The exam is done at a location of your choice and performed at no cost to you. Learn more about medical exams.
*As of December 31, 2023
Fidelity Life Association, a Legal Reserve Life Insurance Company
1350 E Touhy Ave., Des Plaines, IL 60018
Fideltiy Life products are not available in New York or Wyoming
*As of June 30, 2024
**U.S. life insurance companies include American General Life Insurance Company (AGL), Houston, TX, The United States Life Insurance Company in the City of New York (US Life) and The Variable Annuity Life Insurance Company (VALIC), Houston, TX. 1 Outlook: Stable
