Get The Best Life Insurance Rates!

Get life insurance through Insurance Management Corporation. We help people find affordable life insurance.

Call 925.693.9912

Life Insurance Carriers

Our Life Insurance Carriers

Our life insurance carrier network is comprised of highly-rated companies with a wide range of life insurance options.

Free Life Insurance Quotes

Our licensed life insurance agents help families find the best life insurance and low rates. We can provide an accurate life insurance quote and free information right over the phone.

The Best Life Insurance Tools and Information

There are many options you need to be aware of prior to buying life insurance. The content on our site and our interactive life insurance tools will help you determine which life insurance coverage works best for you and how much life coverage is appropriate.


Life Insurance - Term/Whole/Universal

 

Term Life Insurance:

Level Term Life

A level term insurance policy provides an alternative to renewable term insurance, which features a level death benefit and annual premiums that increase each year.

While a level term insurance policy also provides a level death benefit, premiums are also guaranteed to remain level for the term period selected, such as 10, 20 or 30 years. If the insurance protection is still needed at the end of the selected level term period, these policies generally provide that the coverage can be renewed without evidence of insurability, with premiums then increasing each year thereafter.

  • Level death benefit
  • Level premiums for the duration of the selected term period (e.g., 10, 20 or 30 years)
  • Increasing premiums, if renewed after the selected term period
  • No cash values
  • May have policy dividends
  • Best suited for level needs of a somewhat known duration
     

Return of Premium Feature

When you purchase a level term insurance policy, your family receives the death benefit if you die during the term period. Chances are,
 however, that you’ll out live the term period. If your term insurance policy includes a return of premium feature and you outlive the term period, the insurance company will then return to you all of the premiums you’ve paid for the term insurance protection.

  • Return of premium term insurance enables you to “hedge your bets” . . . if something does happen to you, you’ve provided for your loved ones. If you out live the policy, the premiums you’ve paid will be returned to you.
  • A return of premium term insurance policy costs more than a traditional level term insurance policy, so it’s important that you understand the conditions under which premiums will be returned to you.
  • All return of premium term insurance policies return 100% of the premiums you’ve paid at the end of the term period, assuming the policy is in-force and no death benefit has been paid. If, however, you cancel the policy prior to the end of the term period, you may receive back none or only a percentage of the premiums you’ve paid. . . check the return of premium conditions before you purchase a return of premium term insurance policy.

 Term Life Insurance Advantages:

  • Low initial premium.
  • Well suited to shorter-term, temporary needs.
  • Most plans can be renewed, if you are medically qualified.


Term Life Insurance Disadvantages:

  • Premiums in future years may become prohibitively expensive.
  • Insurance protection may cease before death.
  • Does not build any cash values.

 

Whole Life Insurance:

  • Guaranteed* level death benefit, so long as premiums are paid
  • Fixed, level premiums
  • Guaranteed* cash values
  • May have policy dividends
  • Best suited to satisfy the longer-term needs of policyowners who desire guarantees*
     

 Whole Life Insurance Advantages:

  • Guaranteed* lifetime insurance protection, so long as the policy is kept in force.
  •  Fixed premiums can help create the “savings habit. ”
  •  Cash values are guaranteed*, so long as the policy is kept in force.
  •  May have policy dividends that can be used to reduce premiums or increase cash values and death benefits.

* Guarantees are subject to the claims-paying ability of the issuing insurance company.

Whole Life Insurance Disadvantages:

  • No premium flexibility.
  • Guaranteed* cash value growth may be less than could be achieved through one of the other types of cash value life insurance.
  • Death benefit may not keep pace with inflation.

* Guarantees are subject to the claims-paying ability of the issuing insurance company.

 

Universal Life Insurance

  • Premiums can be adjusted upward or downward
  • Choice of level or increasing death benefit
  • Cash value growth based on a stated fixed interest rate, which may vary over time, but which will never be less than a guaranteed* minimum interest rate
  • Best suited to satisfy the longer-term needs of policy owners who want premium flexibility and cash value accumulations that reflect current fixed interest rate returns, with a guaranteed* minimum interest rate
     

Universal Life Insurance Advantages

  • Lifetime insurance protection.
  • Premium and death benefit flexibility.
  • Cash value growth reflects current interest rates, with a minimum guarantee*.Guaranteed* lifetime insurance protection, so long as the policy is kept in force.
  • Fixed premiums can help create the “savings habit.”
  • Cash values are guaranteed*, so long as the policy is kept in force.
  • May have policy dividends that can be used to reduce premiums or increase cash values and death benefits.
     

Universal Life Insurance Disadvantages

  • Required premiums may increase as the insured gets older in order to maintain needed insurance protection.
  • If current interest rates are low, cash value growth may be disappointing.

* Guarantees are subject to the claims-paying ability of the issuing insurance company.


More Information

If you would like one of our representatives to contact you with more information on life insurance or long-term care insurance please fill out the below form:

Name *
Name
Telephone Number *
Telephone Number

"We Protect What Is Important To You"