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What is life insurance?

Life insurance provides a tax-free lump sum of money to replace lost income after your death, offering affordable financial protection — and invaluable peace of mind — to people whose friends or family rely on them.
The money from a life insurance policy can be used to pay expenses like a mortgage, utility and grocery bills, children's college costs, final funeral arrangements, and more.

Life insurance basics

Choose the best life insurance policy based on how many years you want your policy to last (the term) and the coverage amount that you want to be paid out if you die (the death benefit).

Choose the best life insurance policy based on how many years you want your policy to last (the term) and the coverage amount that you want to be paid out if you die (the death benefit).

Choose the best life insurance policy based on how many years you want your policy to last (the term) and the coverage amount that you want to be paid out if you die (the death benefit).

Choosing a life insurance policy

Choose the best life insurance policy based on how many years you want your policy to last (the term) and the coverage amount that you want to be paid out if you die (the death benefit).

Buying life insurance

You pay for your life insurance policy with monthly or annual premium payments. You can compare quotes from multiple life insurers first to see the different rates and requirements they may have.

Filing life insurance claims

If you die while your term life insurance policy is active, your beneficiaries can file a claim and the death benefit will be paid out to them.

Types of life insurance

Most people choose between two types of life insurance: Term life insurance, which expires after a set period of time (the term length), and whole life insurance, which doesn't expire and can include a tax-deferred cash value.
Whole life is a type of permanent life insurance. Another type of permanent insurance is universal life insurance, which offers flexible premium and coverage options. Permanent insurance is often more expensive than term life insurance policies.

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Yes, we have to include some legalese down here. ISO Policy a Washington company, is a licensed independent insurance broker. ISO Policy does not underwrite any insurance policy described on this website. The information provided on this site has been developed by ISO Policy for general informational and educational purposes. We do our best to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application.

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