Clear, Affordable
Life Insurance
It only takes minutes to protect the ones you love, take a peek inside!
It only takes minutes to protect the ones you love, take a peek inside!
It only takes minutes to protect the ones you love, take a peek inside!
We've got you covered. Want to get rid of life insurance sales calls? Lock in your best rate now, what are you waiting for?
Over 60 years old? Your life insurance price will increase 10% every 6 months you wait to start coverage. With equote, getting covered only takes 5 minutes.
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Traditional life insurance |
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| Instant underwriting |
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| No medical exams |
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| Same-day coverage |
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| Lowest Price Comparison |
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There are a number of situations when you might need early access to the cash value of your policy. For example, about 70% of senior citizens will require some type of long-term care during their lifetime. Long-term care may not be covered by either standard health insurance or Medicare Part A and Part B. Even if you’re below retirement age, an accident or illness might leave you with an immediate need to cover medical expenses or pay for loved ones’ day-to-day needs as you recover.
A living benefit rider is an insurance add-on coverage that allows you or your beneficiaries to access the death benefit of a life insurance policy while the beneficiary is still alive. Living benefits insurance are offered as riders in most of the plans Equote Life offers that you can add to whole life or term life insurance. Some life insurance companies refer to this add-on as an accelerated death benefit rider.
The qualifying circumstances under which you can access your accelerated death benefit will vary based on the rider you purchased. Some of the most common living benefit options that may allow you to access your death benefit early include the following:
When you tap into your death benefits early, you usually get a lump sum. You may be eligible to receive the entire death benefit or only a percentage of it, depending on the illness or injury. Experience the benefits of your life insurance plan while you live, and protect you and those you love.
Life insurance is a way of helping your family cope financially when you die. The payout can be used to help your loved ones with everyday expenses when they can't rely on your salary or income any longer. So the question of what life insurance covers can be answered two ways: the expenses it covers, and the types of death it covers.
If you do not pass away during your term, you have options when your term ends:
Once your application is submitted, we’ll process the information to provide you a quick (sometimes instant) decision on coverage eligibility and your rate. If approved, you can activate your coverage immediately.
First of all, we are actually licensed insurance professionals! Most places you
will find online only SELL your information and contact data to a bunch of
random agents. We never do that. When you come to us, you stay with us. We are a
woman and veteran owned business and we value your security and satisfaction.
We offer our clients complete transparency to see all the rates of every option
out there. We don’t offer the ridiculous products you see on TV and we don’t
bait and switch with low price offers then give you a different price. We
represent our clients like we would ourselves, and that commitment to our
clients is why you should leave your life insurance in our hands!