Health Insurance Life Insurance About Us Contact Us Commercial Insurance Personal Insurance Home Page Home PageHeader Image
  • Main Menu
    • Home Page
    • Secure File Area
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • Location Map
    • Contact Us
    • About Us
    • Privacy Policy
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Speer Auto Quote
    • Request ID Card for Auto Policy
    • Request Declaration and Coverages Page for Auto Policy
    • Send Declaration and Coverages Information to Lien Holder
    • Add Vehicle to Existing Auto Policy
    • Remove Vehicle from Existing Auto Policy
    • Add Driver to Existing Auto Policy
    • Remove Driver from Existing Auto Policy
    • Auto Accident Claim
  • Bonds
    • Bonds Home
    • Bond Request Form
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Request ID Card for Commercial Auto Policy
    • Request Declaration and Coverages Page for Commercial Auto Policy
    • Add Vehicle to Existing Commercial Auto Policy
    • Remove Vehicle from Existing Commercial Auto Policy
    • Add Driver to Existing Commercial Auto Policy
    • Remove Driver from Existing Commercial Auto Policy
    • General Liability Quote Form
    • Request General Liability Certificate of Insurance
    • Commercial Auto Accident Claim
    • Workers Compensation Quote
  • Cannabis Information
    • Cannabis Information and Application
  • Flood
    • Flood Insurance Home
    • Flood Quote Form
    • Request Declaration and Coverages Page for Existing Flood Insurance Coverage
  • Health
    • Health Insurance Home
    • Health Insurance Quote
    • Request Declaration and Coverages Page for Exisiting Health Insurance Coverage
    • Disability Insurance Quote
    • Long Term Care Insurance Quote
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
  • Life
    • Life Insurance Home
    • Life Insurance Quote
    • Term Life Insurance Quote
    • Request Declaration and Coverages Page for Exisiting Life Insurance Coverage
  • Motorcycle
    • Motorcycle Insurance Home
    • Motorcycle Insurance Quote
    • Request ID Card for Motorcycle Policy
    • Request Declaration and Coverages Page for Motorcycle Policy
    • Add Motorcycle to Existing Policy
    • Remove Motorcycle from Existing Policy
    • Add Driver to Existing Motorcycle Policy
    • Remove Driver from Existing Motorcycle Policy
    • Motorcycle Accident Claim
  • Recreational Vehicle
    • Recreational Vehicle Insurance Home
    • Recreational Vehicle Insurance Quote
    • Request ID Card for Recreational Vehicle Policy
    • Request Declaration and Coverages Page for Recreational Vehicle Policy
    • Add Recreational Vehicle to Existing Policy
    • Remove Recreational Vehicle from Existing Policy
    • Add Driver to Existing Recreational Vehicle Policy
    • Remove Driver from Existing Recreational Vehicle Policy
  • Renters
    • Renters Insurance Home
    • Renters Insurance Quote
    • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
  • Watercraft & Boat
    • Watercraft & Boat Insurance Home
    • Watercraft Insurance Quote
    • Request ID Card for Watercraft Policy
    • Request Declaration and Coverages Page for Watercraft Policy
    • Add Watercraft to Existing Policy
    • Remove Watercraft from Existing Policy
    • Change Primary Operator on Existing Watercraft Policy
    • Watercraft Accident Claim

Life Insurance


Life Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Life Quote Form
Term Life Quote Form

Life Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Request Declaration and Coverages Page for Existing Life Insurance Coverage

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

Accessibility Statement