Online Life Insurance Quote

Online Life Insurance QuoteOnline Mortgage Life Insurance is not about being the biggest company or making the mostmoney. Founded by one individual, Hu Brietkopf, Online Mortgage simply aims to find the rightinsurance (and affordable insurance), for each and every individual.In 2008, Hu decided that working on computers was just not cutting it anymore. After realizinghe could get a job that helped others protect themselves and get out of debt, he soon switchedover to the insurance industry, and ever since has been helping families and individuals obtainthe insurance they need.Hu became specialized in the most popular, as well as the more unique, forms of insurance sothat he could help every single person who wanted to find insurance. Whether you’re lookingfor life insurance for yourself or your child, or you need travel insurance or group benefits, oralmost any other insurance, Online Mortgage has got you covered.Even if you keep getting denied elsewhere, Hu is here to help. No matter what conditions you’ve alreadygot, or how tight your budget is, Online Mortgage was founded to help you find and get the insuranceyou need.Online Term Life InsuranceWhole life insurance requires premium payments that remain the same over your entire life.The most common type of permanent life insurance, whole life policies allow you to choosehow often you’d like to pay – annually, semi-annually, quarterly or monthly.Full Life InsuranceWhole life insurance requires premium payments that remain the same over your entire life.The most common type of permanent life insurance, whole life policies allow you to choosehow often you’d like to pay – annually, semi-annually, quarterly or monthly.

Universal Full Life InsuranceUniversal life insurance combines certain aspects of term insurance and whole life insurance.Universal insurance offers low-cost protection, as well as a savings element which provides acash value buildup. Your benefits and premiums can be reviewed and changed as yourcircumstances change throughout life.Final Expenses InsuranceWhen you die, the last thing you want your family to worry about is financial troubles andfuneral expenses. Final expenses can be hard to talk about, but final expense insurance ensuresyour loved only aren’t burdened with bills and expenses while dealing with your loss.Child InsuranceYour child may seem like the last person who needs life insurance. However, buying lifeinsurance for children is a responsible financial decision that makes sense to many parents.Critical Illness InsuranceCritical illness insurance can complement your disability coverage and ease the financial impactof a critical illness diagnosis and treatment by providing a lump-sum benefit.Disability InsuranceNot to mention saving for retirement. To put it in perspective, if you save 10 percent of yourincome every year and become ill or disabled for one year, 10 years worth of your savings couldbe wiped out.Long Term CareLong term care insurance is specifically designed to cover long-term services, such as personneland care in a variety of settings, be it your own home, a community home or any other facility.This type of insurance is not just for seniors however, as about 40 percent of those receivinglong-term care are between the ages of 18 and 64.Travel InsuranceWhen you travel often, occasionally things are bound to go awry. Whether your flight iscancelled or you become seriously ill, travel insurance can protect your money that wasinvested in nonrefundable payments, and can even help with medical expenses that might nototherwise be covered.

Although many insurance agents might tell you life insurance is a necessity throughout life, thisnot true for everyone. In fact, those who need it most are often those who haven’t built upassets yet, like young adults with new children. By the time you retire, your children will begrown and ideally you’ll have enough money built up elsewhere to support your spouse if youpass first.Term life insurance is: Basic | Simple | InexpensiveIt is the least expensive way to purchase a death benefit while allowing yourself a set amount oftime to save up money elsewhere.We buy life insurance not because we have to, but because we want to make sure our kids andfamily are taken care of in the event something does happen.Whole life insurance is easy to understand – the payments are always the same. Some of these policiescan even be completely paid for after a set number of years. Although payments are predictable, theyusually do continue throughout your life, so when considering whole life insurance, be sure to consideryour ability to make premium payments in the future.When you do buy whole life insurance, you’re purchasing a policy in which part of yourpremium payments go toward building cash value from investments made by your insurancecompany. Every year you keep your policy, you can borrow against the cash accumulation fundthat has built up, without being taxed.Unlike whole life insurance, you can use the interest from your accumulated savings to help payyour insurance premiums; and, the cash value of your investments can grow at a variable rate.Overall, universal life insurance is a more flexible way to protect your family and build cashvalue.At Online Mortgage Life Insurance, we’ll work with you to help you understand your currentfinancial situation, and how to best work toward your ultimate financial goal. If you havequestions about which type of life insurance is right for you, or if you’re ready to receive a freequote, give us a call or send us an email today!The average cost of funerals today is over $8,000. Additional fees can push the cost of somefunerals to nearly $10,000. These costs have consistently increased over the past coupledecades, and this trend is expected to continue into the future. For more information please visit http://www.asktheinsuranceguys.com