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Best Life Insurance Companies in Saint Paul

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Champion Insurance logo
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License Verified:

License: 40370194

The Minnesota Department Of Commerce Licensing Unit

Champion Insurance

821 Raymond Avenue, Suite 400, St Paul, MN 55114
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  • Life Insurance

Business Description

Champion Insurance is an independent agency that serves the Saint Paul metro. It integrates products from different insurance providers to offer a custom package that meets the needs of its clients. It provides a variety of life insurance, including term, whole, universal, group business, juvenile, and key person. It also offers home insurance policies for various properties, such as apartments, condominiums, mobile homes, vacation homes, and vacant land. The agency has more than seven years of experience in the industry.

License Verified:

License: 40370194

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (14)
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Chris Budzius logo
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License Verified:

License: 20261734

The Minnesota Department Of Commerce Licensing Unit

Chris Budzius

2175 Saint Clair Avenue, Saint Paul, MN 55105
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  • Life Insurance
  • Health Insurance

Business Description

Chris Budzius owns the Budzius Insurance Agency Inc. through State Farm. He caters to individuals, families, and businesses in Saint Paul and the surrounding areas. He offers term, whole, and universal life insurance policies, which can pay for college costs, debt settlements, and mortgage payments. He also provides auto, health, home, pet, and property insurance products. Budzius has 27 years of experience in the insurance industry. He stays involved in the community by serving as a member of the St. Paul District Five Planning Council.

License Verified:

License: 20261734

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (55)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Dunncreek Advisors logo
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License Verified:

License: 20336484

The Minnesota Department Of Commerce Licensing Unit

Dunncreek Advisors

904 Delaware Avenue, West St Paul, MN 55118
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  • Life Insurance

Business Description

Dunncreek Advisors is a Saint Paul life insurance company founded by Richard F. Dunn. The firm provides insurance solutions covering early death risks and financial benefits for loved ones left behind. A 16-year veteran in the financial planning and insurance industries, Dunn has been helping families obtain sufficiency following the event of loss. His firm also provides solutions to estate planning, probates, advanced tax planing, and elder laws. Dunncreek Advisors works with several insurance carriers and investors.

License Verified:

License: 20336484

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Eagle Point Insurance Group logo
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License Verified:

License: 40290913

The Minnesota Department Of Commerce Licensing Unit

Eagle Point Insurance Group

8665 Eagle Point Boulevard, Lake Elmo, MN 55042
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  • Life Insurance

Business Description

Serving Saint Paul residents since 2012, Eagle Point Insurance Group is an independent insurance agency specializing in personal and business insurance. It offers life insurance based on the clients' needs and caters to individuals in different life stages and statuses, such as single clients, empty nesters, married couples with kids, small business owners, and retired persons. In addition to life insurance, Eagle Point Insurance Group also provides coverage for homes, cars, and businesses.

License Verified:

License: 40290913

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Health Planned Consulting Services LLC logo
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License Verified:

License: 43617

The Minnesota Department Of Commerce Licensing Unit

Health Planned Consulting Services LLC

375 Selby Ave, Saint Paul, MN 55102
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  • Life Insurance

Business Description

Health Planned Consulting Services LLC caters to families and individuals in Saint Paul and nearby areas. It offers a selection of personal protection plans, which include life insurance. The company furnishes term and whole coverages to protect policyholders from financial losses due to unexpected death. It also helps clients acquire long-term care and individual and group health insurance policies. Owner Steve Halvorsen brings over three decades of experience in the health services industry. He is a NAHU-certified self-funding professional.

License Verified:

License: 43617

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Hummel Insurance logo
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License Verified:

License: 20407774

The Minnesota Department Of Commerce Licensing Unit

Hummel Insurance

6425 Sycamore Court N, Maple Grove, MN 55369
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  • Life Insurance
  • Health Insurance

Business Description

Hummel Insurance is a full-service agency that serves the needs of the Saint Paul metro. Led by Brandon Hummel, the firm offers life insurance plans that provide financial coverage in the event of early death or outliving assets. They guide clients in selecting from a variety of policy options such as accelerated death benefits and term or permanent policy plans. Brandon has been in the financial services industry for over 15 years. He is also licensed in Wisconsin.

License Verified:

License: 20407774

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Detail
InsuranceWorksAgency, Inc. logo
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InsuranceWorksAgency, Inc.

650 Commerce Dr Ste 160, Woodbury, MN 55125
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Business Description

InsuranceWorks Agency Inc. is an independent insurance agency providing coverage options for clients in the Saint Paul area. Its licensed insurance agents help individuals understand their choices between term and universal or permanent life insurance policies that will cover expenses for their family after they're gone. The coverage specialists also work with employers to choose group life, health, and disability benefits for their employees. Other products include individual long-term care, disability, and mortgage protection plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Kelliher & Associates, Inc. logo
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License Verified:

License: 9401

The Minnesota Department Of Commerce Licensing Unit

Kelliher & Associates, Inc.

3470 Washington Dr., Ste 126, Eagan, MN 55122
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  • Life Insurance

Business Description

Kelliher & Associates, Inc., serves the insurance needs of individuals and families in Saint Paul and nearby locations. It processes various personal protection plans, which include life insurance. The independent agency offers customized term and permanent coverages to protect clients from monetary losses caused by mortgage debts and unexpected death. Its agents also furnish health, home, and auto insurance. They work with various carriers, such as Progressive, Foremost, and Safeco. Kelliher & Associates has been in operation for over 60 years.

License Verified:

License: 9401

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kerry Jordan Insurance Agency logo
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License Verified:

License: 21015

The Minnesota Department Of Commerce Licensing Unit

Kerry Jordan Insurance Agency

4151 Knob Drive, Eagan, MN 55122
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  • Life Insurance

Business Description

Kerry Jordan Insurance Agency is a multi-line insurance agency that serves clients in Saint Paul. It offers several types of life insurance policies, including term life, whole life, and universal life. It also offers other types of insurance products for families and businesses that include auto, home, and business insurance. The insurance agency has formed a partnership with Atlas Insurance Brokers and represents multiple insurance companies. Company president Kerry Jordan has been an insurance agent since 1987.

License Verified:

License: 21015

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kriener Insurance logo
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Kriener Insurance

724 Bielenberg Dr Ste 5, Woodbury, MN 55125
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Business Description

Kriener Insurance is a life insurance agency near Saint Paul that serves clients in Minnesota and Wisconsin. The licensed insurance agents help clients understand their options for coverage that provides a financial safety net for their families after they're gone. It offers term and permanent coverage. Kriener Insurance works with several top carriers, including Nationwide, All-State, and Travelers Insurance. The agency also offers auto, home, recreational vehicle, and commercial insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Krog Insurance logo
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License Verified:

License: 20541219

The Minnesota Department Of Commerce Licensing Unit

Krog Insurance

637 Snelling Ave N, St. Paul, MN 55104
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  • Life Insurance

Business Description

Krog Insurance is an independent agency that offers life insurance plans to clients around Saint Paul and the nearby areas. Its full-service agents help clients determine how much coverage they need and connect them with the appropriate plans from its extensive network of insurance carriers. The most common life insurance policies its agents assist with are term life and permanent life insurance plans. Krog Insurance, which has two locations in the state, also offers car, home, personal umbrella, and small business insurance.

License Verified:

License: 20541219

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (40)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
LeschWilliams Insurance Agency logo
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LeschWilliams Insurance Agency

3000 White Bear Ave N Ste 26, Maplewood, MN 55109
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Business Description

LeschWilliams Insurance Agency is a life insurance company near Saint Paul that serves individuals throughout the area. Its licensed agents have over 50 years' combined experience helping clients understand their coverage options and choose between term, whole, universal, and instant issue term life insurance policies. The company works with more than 15 different providers, including Safeco Insurance, Progressive, Travelers, and Hagerty. LeschWilliams Insurance Agency also offers home, auto, RV, and business insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mader Wealth logo
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Mader Wealth

8677 Eagle Point Blvd, Lake Elmo, MN 55042
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Business Description

Mader Wealth is a life insurance agency near Saint Paul that provides a wide range of financial services for clients throughout the area. Its coverage specialists have extensive experience helping individuals understand their policy options and assist them with choosing between term, whole, or universal life insurance plans that can offer financial protection to their family after they're gone. Mader Wealth also offers disability income and long-term care insurance coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McDonald Insurance Agency logo
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McDonald Insurance Agency

1810 Crest View Dr Ste 1A, Hudson, WI 54016
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Business Description

Founded in 1977, McDonald Insurance Agency helps Saint Paul customers evaluate their need for health, life, and other types of insurance. It offers individual life, individual long-term care, individual and family health, dental, disability, and mortgage protection insurance. Fixed annuities are also available. An independent agency, the McDonald Insurance Agency works with companies such as Foremost, Hagerty, Integrity Insurance, John Hancock, and Principal to help customers get competitive rates on needed coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
North Risk Partners logo
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North Risk Partners

1640 S Frontage Rd Ste 102, Hastings, MN 55033
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Business Description

North Risk Partners sells personal insurance lines throughout the Saint Paul area and surrounding metro. The company has a history of more than 100 years in the insurance industry, and its thoughtful team of agents strive to help each customer find the right coverage when it comes to health insurance and life insurance. In addition, the agency's partners offer farm insurance, home insurance, auto insurance, and RV and off-road coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ochs logo
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License Verified:

License: 7087697

The Minnesota Department Of Commerce Licensing Unit

Ochs

400 Robert St. North Suite 1880, St. Paul, MN 55101
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  • Life Insurance

Business Description

Ochs, Inc., is a subsidiary of the Securan Financial Group that has been serving clients throughout the Saint Paul area and its adjacent locations since 1943. It provides life insurance products that provide financial security in preparation for illnesses, accidents, and instances of untimely or natural death. It also offers coverage for medical care regarding short- and long-term disability, as well as insurance for dental and comprehensive vision concerns. Its approach focuses on benefit gap supplementation and reduction of the overall premium for increased value.

License Verified:

License: 7087697

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Pathway Insurance Group logo
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License Verified:

License: 40371806

The Minnesota Department Of Commerce Licensing Unit

Pathway Insurance Group

56 6th St. E. Suite 203, Saint Paul, MN 55101
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  • Life Insurance

Business Description

Pathway Insurance Group provides coverage for clients in the Saint Paul area. It offers life insurance to protect the policyholder's loved ones should tragedy strike. The company offers final expense insurance alongside its whole-life policies, to cover funeral costs and short-term expenses like credit card debt, legal costs, and medical bills. Clients can also get health insurance to cover various medical needs and there are specialized plans for high-net-worth individuals. The company also has commercial insurance to protect businesses.

License Verified:

License: 40371806

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Preferred Insurance Service, Inc. logo
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License Verified:

License: 40572408

The Minnesota Department Of Commerce Licensing Unit

Preferred Insurance Service, Inc.

1306 County Road E, Arden Hills, MN 55112
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  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Established in 1993, Preferred Insurance Services, Inc., is an independent insurance agency in Arden Hills that caters to clients in and around Saint Paul. It offers various insurance policies for individuals, which cover boats, classic cars, recreational vehicles, health, home, and life. It also provides business liability, landlord liability, cyber liability, commercial auto and property, group health, and non-profit insurance plans. Preferred Insurance Services is led by its president, Brad Gombold, who aims to serve using personalized insurance solutions.

License Verified:

License: 40572408

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (35)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
R Group Financial logo
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R Group Financial

14588 Florissant Path, Apple Valley, MN 55124
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Business Description

R Group Financial provides insurance products for individuals and businesses throughout the Saint Paul area. The agency's well-qualified insurance specialists work with clients to find the right level of protection for them and their families after they're gone. Options include term and permanent policies that can pay out a specific amount to the policyholder's beneficiaries following their death. Another choice is a universal plan that has flexible premiums and payouts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Schommer Insurance logo
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Schommer Insurance

3500 Cannon St Ste 200, Hastings, MN 55033
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Business Description

Schommer Insurance has a long history of helping Saint Paul residents find needed life insurance coverage. The agency sells both whole life and term life insurance in addition to long-term care, disability, single-premium whole life, and group life policies. Fixed annuities are available. Schommer also offers auto insurance from more than 20 top-rated insurance carriers, and it sells business insurance coverage, including fleet, farm, building, property liability, and workers comp policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.8 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
St. Croix Valley Insurance Service logo
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St. Croix Valley Insurance Service

1200 Hosford St, Hudson, WI 54016
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Business Description

St. Croix Valley Insurance Service serves Saint Paul residents when it comes to their insurance needs. Founded in 1991, the agency dedicates itself on helping area customers find the right levels of coverage for health insurance, P/C insurance, life insurance, and other insurance products. Health insurance plans range from standard individual/family plans to short-term health insurance from companies such as Blue Cross Blue Shield, Medica, and WPS. Medicare plans and prescription drug coverage are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Supplement Plan Advisors logo
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Supplement Plan Advisors

PO Box 2655, Inver Grove Heights, MN 55076
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Business Description

Supplement Plan Advisors provides health insurance services for individuals throughout the Saint Paul area with offices in Rochester and Austin. Its licensed agents help clients understand their medical coverage options, such as Medicare supplements, advantage plans, and cost plans for people with disabilities and beneficiaries 65 and older, that offer extra protection for an additional cost. These policies can provide individuals with more coverage for dental, vision, hearing, and prescriptions. The company also has short-term health insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Western Insurance Agency logo
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Western Insurance Agency

1740 Rice St Ste 200, Saint Paul, MN 55113
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Business Description

WA Group is a life insurance company in Saint Paul that's 100% employee-owned and has been serving clients throughout the area since 1938. Its licensed agents review customers' situations and needs and helps them understand their coverage options. It offers a wide selection of life and disability plans for individuals and employees that includes term and permanent life coverage and Key Person and Second to Die Life Insurance policies. WA Group also provides long-term care plans and succession funding.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Zignego Agency Insurance logo
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License Verified:

License: 3137

The Minnesota Department Of Commerce Licensing Unit

Zignego Agency Insurance

8975 33rd Street North, Lake Elmo, MN 55042
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  • Life Insurance

Business Description

Zignego Agency Insurance is a third-generation agency that provides personal and business insurance solutions. For more than 40 years, it has been helping the residents of Saint Paul and nearby communities by safeguarding their loved ones' financial future with a life insurance plan. Moreover, its insurance agents have 200 years of combined experience helping clients choose the right coverage that fits their needs. As an independent agency, Zignego Agency Insurance represents 11 insurance providers, such as Auto-Owners Insurance and Secura.

License Verified:

License: 3137

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Which is better, term or whole life insurance?

Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

How much life insurance do I need?

A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Read all FAQs