Life Insurance Protect your family’s future without breaking the bank today.

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Customer Satisfaction Rate as seen in these reviews**

We’ve helped thousands find the perfect insurance and we’d like to help you too.

  • Our team was amazing, everyone was willing to go the extra mile for us…

    We had many questions and need a lot of guidance through the process. Our team was amazing, everyone was willing to go the extra mile for us. We always had an answer to our questions and were provided with all the tools necessary to make the right choice.”

    Katherine L Verified Customer
  • Great rate. Wonderful customer service…

    Great rate. Wonderful customer service. Answer all my questions expeditiously especially since I am purchasing property out of state. Highly recommended. Everything done over the computer and phone with my information secure. Thank you.”

    Elaine W Verified Customer
  • The whole process has been extremely easy…

    First time home buyer, and the whole process has been extremely easy for me with your help.”

    Clark R Verified Customer

Top reasons you may need life insurance today

Whatever stage of life you’re in Guaranteed Rate Insurance can help.

Purchasing a new home

Ensure your loved ones can remain in the home you’ve purchased.

Birth of a child

It costs well over $200,000 to raise a child thru high school, not to
mention college.

Change in jobs

Policies are sometimes offered through employers and when leaving a job, the coverage doesn’t carry over.

Other life change

Big life events (like marriage) can prompt a need for life insurance coverage.

Life insurance basics

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.

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?

You could save up to 20% on your insurance by bundling

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

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