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Life and Disability Insurance

Make plans to protect your loved ones

Guaranteed Rate Insurance understands that there are important people that count on you to provide for their needs. It’s a priority for our team to make sure you are prepared for whatever the future may hold. Life and disability insurance policies are there for you and your loved ones if tragedy strikes, ensuring that they will be able to continue their quality of life.

Guaranteed Rate Insurance only works with Life Insurance companies that have the best reputation in the industry. There are many affordable options when it comes to plans and pricing. Our life insurance specialists can help you determine the policy and coverage amount that is right for your family.

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Life Insurance Basics

  • Term Life Insurance

    Term life insurance is designed to provide financial protection for a specific period, such as 10, 15, 20 or 30 years. With traditional term insurance, the premium payment amount stays the same for the coverage period you select. After that period, policies may offer continued coverage, usually at a higher premium payment rate. Term life insurance is generally less expensive than permanent life insurance.

  • Whole Life Insurance

    Whole life insurance is a type of permanent life insurance designed to provide lifetime coverage. Policy premium payments are typically fixed, and, unlike term, whole life has a cash value, which functions as a savings component and may accumulate tax-deferred benefits over. Because of the lifetime coverage period, whole life usually has higher premium payments than term life.

  • Universal Life Insurance

    Universal life insurance is a type of permanent life insurance designed to provide lifetime coverage. Unlike whole life insurance, universal life insurance policies are flexible and may allow you to raise or lower your premium payment or coverage amounts throughout your lifetime. Additionally, due to its lifetime coverage, universal life typically has higher premium payments than term.

  • Disability Insurance

    Disability ensures that if you are unable to work because of illness or injury, you will continue to receive income until you are healthy. You insure your home, car, and other valuable possessions, so why wouldn’t you also protect your paycheck?

Save By Bundling

Save even more with a multi-policy discount when combining auto, home, renters and condo insurance.

What our customers are saying...

  • In two words: Great service.

    Soad K.
  • My representative responded in a timely manner. She searched for the best coverage and price for our new town home. Meghan gave us excellent professional service!

    Barbara L.
  • The team at Guaranteed Rate Insurance continues to exceed our expectations by far. From day one, the insurance experts have been customer friendly, knowledgeable and just plain awesome. They care about you in every way.

    Henry P.
  • Everyone I dealt with knew my name, knew my coverage, and answered my questions in terms I could grasp. No one tried to “sell” me. I will continue to do business with these people, now and in the future.

    Christopher J.
  • A one-stop shop! Amazing customer service! Straight shooters — like dealing with a great family member. Would highly recommend!!!

    Geraldine P.
  • For my first time buying a home, I never once felt like I was out of the loop. Everyone clearly communicated with me every step of the way. Guaranteed Rate Insurance found me insurance and beat my current company by a lot!

    Ryan K.
  • Our agent is super quick to respond to questions, provides information about anything I’m curious about, and works hard to keep our premiums low. We’re super happy that she works so hard for us!

    James M.
  • Who I worked with was so kind and friendly. She made sure I knew what was going on. She got our insurance quick.
    — Cassie S.

  • I appreciated you all being patient with me and my father. It was my first time and I had a lot of questions and made mistakes. And, considering how unprecedentedly busy you all are this time of year, the responses were prompt enough. I appreciated the help very much.
    — Krishan A.