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Life Insurance Information
Buy Cheap Life Insurance
Pfeifer Insurance Brokers specializes in life insurance. We work with 25 of the top Life Insurance Companies. We can get you several quotes from the largest Life Companies in minutes. Let us save you time and money while giving you and your family peace of mind. Life insurance tends to be much cheaper than people believe. We recently wrote a $1,000,000 30 year term policy for a 32 year old and it cost under $70 per month. There are great rates out there. Let us help you find them.
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.
Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.
In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.
It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.
But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.
"I was involved in a car accident last January. A car reversed in to me at a Caltrain crossing in order to avoid being stopped on the tracks while a train was coming by. Super Scary! Ever since then I've been thinking about getting life insurance. My lawyer recommended that I talk to Mr. Pfeifer. I went to see him today thinking I'd just get some information. He showed me policies from 20 different companies all at once. He also explained why different companies charge different amounts for basically the same thing. It was all really interesting. I ended up choosing a policy right there. It turned out to be way less expensive than I thought it would be. It was a great experience although now I feel totally old." - Diana M.