Cheap Life Insurance Policies in 2025 (Big Savings With These 10 Companies!)
USAA, AIG, and Prudentials are top providers of cheap life insurance policies, offering competitive rates and diverse coverage options, ensuring you get the protection you need at affordable prices with rates starting as low as $10 to $20 per month. Explore their policies today and secure your financial future.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Apr 11, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 11, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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USAA, in particular, emerges as the top pick overall, providing competitive rates, diverse coverage options, and excellent customer service. Whether you’re looking for term life, whole life, or universal life insurance, these companies offer a variety of options to suit your needs.
Our Top 10 Company Picks: Cheap Life Insurance Policies
| Company | Rank | Monthly Rates | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $25 | 5% | Military Affiliation | USAA |
 | #2 | $30 | 5% | Guaranteed Issue | AIG |
 | #3 | $33 | 7% | Customizable Policies | Prudential |
 | #4 | $35 | 8% | Accelerated Underwriting | Transamerica |
 | #5 | $35 | 5% | Whole Life Options | Mutual of Omaha |
 | #6 | $35 | 5% | Term Life Affordability | Banner Life |
 | #7 | $40 | 6% | Universal Life Flexibility | Pacific Life |
 | #8 | $40 | 3% | Dividend Payments | New York Life |
 | #9 | $45 | 5% | Living Benefits | Guardian Life |
 | #10 | $47 | 6% | Conversion Options | Lincoln Financial Group |
Compare quotes today and secure your financial future with confidence. You can get free quotes for life insurance and secure financial protection for your loved ones by entering your ZIP code into our tool above.
#1 – USAA: Top Overall Pick
Pros
- Competitive Rates: USAA offers competitive monthly rates for car insurance for seniors.
- Safe Driver Discount: USAA provides discounts for safe driving records.
- Best for Military Affiliation: USAA Life insurance company review highlight catering to the unique needs of military personnel and their families.
Cons
- Limited Eligibility: USAA membership is exclusive to military members, veterans, and their families.
- Availability Challenges for Non-Military: Non-military individuals may face challenges in accessing USAA services.
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#2 – State Farm: Best for Loyalty Discounts
Pros
- Competitive Rates: State Farm offers competitive monthly rates for car insurance for seniors.
- Multi-Policy Discounts: State Farm provides discounts for customers bundling multiple policies.
- Loyalty Discounts for Senior Drivers: State Farm life insurance review state rewarding long-term policyholders with loyalty discounts.
Cons
- Rates may Vary by Location: Premium rates may vary based on the policyholder’s location.
- Mixed Customer Reviews: Customer experiences with State Farm can be mixed.
#3 – Prudential: Best for Customizable Policies
Pros
- Customizable Policies: Offers flexibility to tailor insurance policies according to specific needs. You may check out our “The Prudential Insurance Company of America Review“.
- Up to 4% Discount: Provides a discount of up to 4% for certain policyholders.
- Strong Financial Stability: Prudential is a well-established company with a strong financial standing.
- Wide Range of Insurance Products: Offers various types of insurance products beyond just life insurance.
Cons
- Limited Discount Options: The discount options may be more limited compared to some competitors.
- Potentially Higher Premiums: Premiums might be relatively higher, especially for certain coverage levels.
#4 – Banner Life: Best for Term Life Affordability
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Pros
- Affordable Term Life Policies: Banner Life insurance company review highlight offering some of the most competitive rates for inexpensive term life insurance policies, making it an excellent choice for individuals looking for affordable coverage.
- Strong Financial Ratings: Banner Life has consistently high financial ratings, indicating its stability and ability to fulfill its financial obligations to policyholders.
- Flexible Policy Options: With a variety of term lengths and coverage amounts available, Banner Life provides cheap insurance life policy options that can be tailored to fit the needs and budget of most individuals.
Cons
- Limited Policy Options: While Banner Life excels in term life insurance, its offerings are primarily focused on this type of policy, with fewer options for permanent or specialized coverage.
- Limited Online Capabilities: Banner Life’s online customer portal and digital services may be more limited compared to some other insurance providers, which could be a drawback for those who prefer a more digital experience.
#5 – Farmers: Best for Affinity Discounts
Pros
- Competitive Rates: Farmers offers competitive monthly rates for car insurance for seniors.
- Safe Driver Discounts (up to 10%): Farmers provides discounts for safe driving records.
- Affinity Discounts for Seniors: Farmers offers discounts based on certain affiliations. Check out our “Farmers New World Life Insurance Company: Customer Ratings & Reviews” for more information.
Cons
- Varied Premium Rates: Premium rates may vary based on individual circumstances.
- Mixed Customer Reviews: Customer experiences with Farmers can vary.
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#6 – Transamerica: Best for Accelerated Underwriting
Pros
- Competitive Rates: Transamerica offers competitive monthly rates for life insurance.
- Multi-Policy Discounts: Transamerica provides discounts for customers bundling multiple policies.
- Streamlined Process With Accelerated Underwriting: Transamerica life insurance company review excel in simplifying underwriting with an accelerated process for faster policy issuance.
Cons
- Varied Customer Service Reviews: Customer experiences with Transamerica’s service may vary, with mixed reviews.
- Limited Policy Types for Accelerated Underwriting: Accelerated underwriting may be available for specific policy types.
#7 – New York Life: Best for Dividend Payments
Pros
- Competitive Rates ($45 monthly): New York Life offers competitive monthly rates for life insurance.
- Multi-Policy Discounts (up to 4%): New York Life insurance company review highlight discounts for customers bundling multiple policies.
- Dividend Payments for Participating Policies: New York Life policyholders may receive dividends on participating policies.
Cons
- Potentially Higher Premiums for Dividend-Paying Policies: Policies with dividend options may have slightly higher premiums.
- Complexity in Dividend Structure: The dividend structure can be intricate, requiring policyholders to understand how dividends affect their policies.
#8 – Pacific Life: Best for Universal Life Flexibility
Pros
- Competitive Rates: Pacific Life offers competitive monthly rates for universal life insurance.
- Multi-Policy Discounts: Pacific Life provides discounts for customers bundling multiple policies.
- Flexibility With Universal Life Policies: Pacific Life insurance review excel in offering flexibility with universal life insurance options.
Cons
- Potential Complexity in Universal Life Policies: Universal life insurance can be complex, requiring policyholders to understand various components.
- Varied Customer Reviews: Customer experiences with Pacific Life can vary, with both positive and negative reviews.
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#9 – Guardian Life: Best for Living Benefits
Pros
- Competitive Rates: Guardian Life offers competitive monthly rates for life insurance. Explore more information on “Guardian Life Insurance Company of America Review“.
- Multi-Policy Discounts: Guardian Life provides discounts for customers bundling multiple policies.
- Emphasis on Living Benefits: Guardian Life stands out for its focus on providing living benefits with life insurance.
Cons
- Potentially Higher Premiums for Enhanced Benefits: Policies with enhanced living benefits may have slightly higher premiums.
- Mixed Customer Reviews: Customer experiences with Guardian Life can vary, with both positive and negative reviews.
#10 – Lincoln Financial Group: Best for Conversion Options
Pros
- Competitive Rates: Lincoln Financial Group offers competitive monthly rates for life insurance.
- Multi-Policy Discounts: Lincoln Financial Group provides discounts for customers bundling multiple policies.
- Conversion Options for Term Policies: Lincoln Financial Group offers options to convert term life policies to permanent coverage.
Cons
- Potential Higher Premiums for Convertible Policies: Policies with conversion options may have slightly higher premiums. You may check the cost by learning more on our “Life Insurance Calculator: What determines the cost of life insurance?“.
- Varied Customer Reviews: Customer experiences with Lincoln Financial Group can vary, with both positive and negative reviews.
Navigating Life Insurance Rates: A Comparative Look
Understanding the coverage rates offered by different cheap life insurance companies is crucial for making informed decisions. Each insurance provider has its own set of rates for both minimum and full coverage, reflecting diverse options available to consumers.
Life Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AIG | $30 | $180 |
| Banner Life | $35 | $140 |
| Guardian Life | $45 | $240 |
| Lincoln Financial Group | $47 | $190 |
| Mutual of Omaha | $35 | $160 |
| New York Life | $40 | $220 |
| Pacific Life | $40 | $200 |
| The Prudential | $33 | $200 |
| Transamerica | $35 | $170 |
| USAA | $25 | $150 |
The minimum coverage rates vary, with companies like Banner Life offering a competitive $25 per month, making it an attractive choice for those looking for budget-friendly options. On the other end, New York Life sets a slightly higher bar at $45 per month for minimum coverage, emphasizing a broader range of services.
For those seeking comprehensive protection, the full coverage rates come into play. USAA stands out with a reasonable $150 per month, providing a balance between affordability and extensive coverage. On the higher end, Guardian Life offers a robust package at $240 per month, catering to individuals who prioritize comprehensive financial security.
Comparing life insurance rates is essential to finding the best option for your needs and budget. Take the time to review different companies and their offerings before making a decision, ensuring you get the coverage you need at a price you can afford.
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Understanding Life Insurance
Life insurance serves as a safety net, protecting your family from the financial uncertainties that may arise after your demise. It provides monetary support to cover funeral expenses, outstanding debts, mortgage payments, and other financial obligations. Life insurance ensures that your loved ones can maintain their quality of life and financial stability even when you are no longer there to support them.
Life insurance is more than just a financial product; it is a promise of security and peace of mind. It is an agreement that allows you to protect your loved ones and provide for them even after you are gone. Life insurance policies come in various forms and on what are the 3 main types of life insurance, explore below.
USAA offers the best combination of affordability and quality coverage, with rates starting as low as $10 to $20 per month, and offers great deal savings on life insurance.Heidi Mertlich Licensed Insurance Agent
Term life insurance provides coverage for a specific period, usually 10, 20, or 30 years. It is an affordable option for individuals who want temporary coverage to protect their loved ones during their working years. Whole life insurance offers lifelong coverage and includes a cash value component that grows over time. This type of insurance provides both protection and an investment opportunity.
Universal life insurance combines the benefits of both term and whole life insurance. It offers flexibility in premium payments and death benefit amounts, allowing policyholders to adjust their coverage as their needs change. With universal life insurance, you have the freedom to customize your policy to fit your unique financial goals and circumstances.
Life insurance is essential for securing your loved ones’ future and providing financial protection and peace of mind. It acts as a safety net, replacing lost income, covering expenses like mortgages and educational costs, and easing the burden of funeral expenses. For business owners, life insurance offers financial stability by covering debts, employee salaries, and ensuring business continuity.
In conclusion, it is a vital component of comprehensive cheap life insurance plans. It offers a sense of security and peace of mind, knowing that your loved ones will be taken care of financially when you are no longer there. By understanding the different types of life insurance policies available and their benefits, you can make an informed decision that aligns with your goals and priorities.
Unlocking Term Life Insurance
Term life insurance is one of the most popular and affordable life insurance options available. With term life insurance, you pay premiums for a specific term, usually ranging from 10 to 30 years. This type of policy provides coverage for a set period, and if you pass away during the term, the insurance company pays the death benefit to your beneficiaries.
One of the advantages of term life insurance is its affordability. Since it provides coverage for a limited period, the premiums are generally lower compared to other types of life insurance policies. This makes it an attractive option for individuals who want to ensure financial protection for their loved ones without breaking the bank.
Discover the chosen providers on term life insurance with our “Best Term Life Insurance Companies” guide.
However, it’s important to note that term life insurance does not provide any cash value. If you outlive the term, the policy expires and does not offer any financial benefits. Therefore, it’s crucial to carefully consider the term length and coverage amount to ensure that your loved ones are adequately protected.
Understanding Whole Life Insurance
Whole life insurance is a type of permanent life insurance that provides coverage for your entire lifetime. Unlike term life insurance, which has a specific term, whole life insurance offers lifelong protection. This means that as long as you continue paying the premiums, your policy remains in force.
One of the key advantages of whole life insurance is that it builds cash value over time. This means that a portion of your premium payments goes towards accumulating cash value, which grows on a tax-deferred basis. The cash value can be accessed during your lifetime and can serve as a financial asset for the policyholder.
Explore more information on our “Understanding Indexed Whole Life Insurance“.
While whole life insurance premiums are generally higher compared to term life insurance, the policy’s cash value can provide financial flexibility. The cash value can be used to cover premium payments, supplement retirement income, or even be borrowed against in case of emergencies.
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Exploring Universal Life Insurance
Universal life insurance is another form of permanent life insurance that offers flexibility and competitive premiums. Like whole life insurance, universal life insurance provides coverage for your entire lifetime. However, it offers more flexibility when it comes to premium payments and death benefits.
With universal life insurance, policyholders have the ability to adjust their premiums and death benefits to match their changing financial circumstances. This means that if you experience a change in your income or financial goals, you can modify your policy accordingly.
USAA offers competitive rates, diverse coverage options, and excellent customer service, making it the top pick for affordable and reliable life insurance.Tim Bain Licensed Insurance Agent
This flexibility can be particularly beneficial for individuals who anticipate fluctuations in their financial situation. In addition to the flexibility it offers, universal life insurance also accumulates cash value over time. The cash value grows on a tax-deferred basis and can be utilized for various purposes.
It can be used to cover premium payments, increase the death benefit, or even supplement retirement income. When considering universal life insurance, it’s important to carefully review the policy’s terms and conditions. Understanding how the policy works and its potential risks and benefits will help you make an informed decision.
Delving Into Life Insurance Riders
In addition to the basic coverage provided by your life insurance policy, you may have the option to add riders. Riders are optional features that can enhance your policy by providing additional benefits or coverage options. Understanding the different types of riders available can help you customize your policy to better suit your needs.
- Accidental Death Benefit Rider: Provides an additional death benefit if the insured’s death is the result of an accident.
- Waiver of Premium Rider: Waives premium payments if the insured becomes disabled and is unable to work.
- Child Term Rider: Provides coverage for the insured’s children, usually until they reach a certain age, without the need for a separate policy.
- Terminal Illness Rider: Allows the insured to receive a portion of the death benefit if diagnosed with a terminal illness.
- Long-Term Care Rider: Provides funds to cover long-term care expenses if the insured requires assistance with daily living activities.
- Return of Premium Rider: Returns a portion of the premiums paid if the insured outlives the policy term.
Before adding any riders to your policy, carefully consider your individual needs and consult with your insurance agent to determine which riders are appropriate for you. By understanding the various riders available, you can customize your life insurance policy to provide the specific coverage you and your loved ones need.
Factors Influencing Life Insurance Costs
Life insurance premiums are determined by various factors. Understanding these factors can help you make informed choices and find a cheap life insurance policy that suits your needs and budget.
- Age and Life Insurance: Younger individuals pay less because they’re considered lower risk due to better health and longer life expectancy. They also have more policy options, like term life insurance. Older individuals may need permanent coverage and have fewer options.
- Health and Life Insurance: Insurance companies assess your medical history, current health, and any pre-existing conditions. Factors like BMI, blood pressure, cholesterol levels, and smoking habits are considered. Good health typically means lower premiums, while pre-existing conditions may lead to higher premiums due to increased risk.
- Occupation and Life Insurance: Riskier jobs like piloting or skydiving instructing mean higher premiums. Insurers assess job-related dangers to set rates. Construction workers on tall machinery pay more than office workers, and police officers and firefighters also face increased premiums. Some jobs may require specialized policies with extra benefits to address risks.
Discover more insights on our “Does your occupation affect the price of life insurance?“.
Understanding the factors influencing life insurance premiums—age, health, and occupation—helps in making informed choices. Younger, healthier individuals typically pay less, while risky occupations may lead to higher premiums. By considering these factors, you can find a policy that suits your needs and budget.
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Tips to Get Cheap Life Insurance Policies
Now that we have explored the types of inexpensive life insurance policies let’s discuss some practical tips that can help you secure an affordable policy.
- Maintaining a Healthy Lifestyle: Maintaining a healthy lifestyle, including regular exercise and a balanced diet, can significantly improve your overall health and reduce the risk of developing health conditions. By adopting a healthy lifestyle, you may qualify for lower premiums on your life insurance policy.
- Avoiding High-Risk Activities: Participating in high-risk activities like extreme sports or heavy drinking can raise your life insurance costs. Insurers evaluate your lifestyle, and risky behaviors can make you a higher insurance risk. By avoiding these activities, you may be able to get a more affordable policy.
- Choosing the Right Coverage Amount: When choosing a life insurance policy, it’s essential to calculate how much life insurance coverage do you need. Consider your financial obligations like mortgage, debts, and future expenses such as education costs. This ensures you’re not overpaying while adequately protecting your loved ones.
Everyone deserves the peace of mind that comes with life insurance. By understanding the various affordable policy options and cost factors, you can make informed decisions. Remember, life insurance provides financial security for your loved ones. Start exploring your options today and find the peace of mind you deserve.
Obtaining Online Life Insurance Quotes
Finding the right life insurance policy at an affordable rate is easier than ever with online quote comparison tools. Follow these simple steps to get started:
- Research and compare. Use an online quote comparison tool to research and compare quotes from best life insurance companies.
- Enter your information. Provide basic information such as your age, gender, health status, and coverage needs.
- Review your options. Compare quotes from different insurers to find the best coverage options that fit your budget and needs.
- Get your quotes. Receive personalized quotes instantly and review them to find the most affordable life insurance policy for you.
- Contact insurers. Once you’ve found a policy that meets your needs, you can contact the insurer directly to finalize your coverage.
With online quote comparison tools, getting affordable life insurance has never been easier. Start comparing quotes today to protect your loved ones’ financial future.
Obtaining life insurance quotes online is a quick and convenient way to find affordable coverage that meets your needs. By comparing quotes from multiple insurers, you can find the best policy at the best price, ensuring that your loved ones are financially protected no matter what.
Case Studies: How These Individuals Found Affordable Life Insurance
Let’s explore how individuals found affordable life insurance policies that met their needs and provided financial security for their families.
- Case Study 1: Sarah’s Story: Sarah, 32, was concerned about providing financial security for her family in case something happened to her. After comparing quotes from multiple insurance providers, she found a term life insurance policy with coverage that suited her needs for just $15 per month.
- Case Study 2: Mike’s Journey: Mike, 45, wanted to ensure his family’s financial stability even after he was gone. Despite having a pre-existing health condition, he found an affordable whole life insurance policy with guaranteed acceptance, providing him with peace of mind for just $25 per month.
- Case Study 3: Emily’s Experience: Emily, 28, was on a tight budget but knew the importance of having life insurance. She found a budget-friendly term life insurance policy with a coverage amount that met her needs for only $10 per month, giving her the peace of mind she needed without breaking the bank.
These case studies demonstrate that affordable life insurance is accessible to everyone, regardless of age, health status, or budget. By comparing quotes and understanding their options, Sarah, Mike, and Emily were able to find policies that provided them with peace of mind and financial security for their loved ones. If they can do it, so can you.
Explore further insights on our “Can you get life insurance with a pre-existing condition?”.
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Conclusion: Finding Affordable Life Insurance Online
Finding affordable life insurance is crucial for ensuring your loved ones’ financial security. Utilize online quote comparison tools to easily compare quotes from multiple insurance providers and secure the protection you need at competitive rates. Whether you’re looking for term life, whole life, or universal life insurance, comparing quotes online can help you find the best coverage.
Don’t wait until it’s too late. Start exploring your cheap life insurance policies options today and give yourself and your family the peace of mind that comes with knowing their financial future is secure. Get started by using an online quote comparison tool to find affordable life insurance coverage that fits your needs and budget.
Stop overspending on life insurance. Use our tool below to compare rates from top providers near you.
Frequently Asked Questions
What is the average cost of a cheap life insurance policy?
The average cost of a cheap life insurance policy can vary depending on several factors such as age, health condition, coverage amount, and term length. However, you can typically find affordable life insurance policies starting from as low as $10 to $20 per month.
What factors should I consider when looking for a cheap life insurance policy?
When searching for a good cheap life insurance policy, it’s important to consider factors such as the coverage amount you need, the term length that suits your requirements, your age and health condition, the reputation and financial stability of the insurance company, and any additional riders or benefits you may require.
Delve more information on our “Do riders increase the cost of life insurance?“.
Can I get a cheap life insurance policy if I have pre-existing health conditions?
While having pre-existing health conditions can affect your life insurance premiums, it is still possible to find affordable options. Some insurance companies specialize in offering coverage to individuals with specific health conditions, and there are policies available that may not require a medical exam.
Enter your ZIP code into our free quote comparison tool below to instantly compare life insurance quotes from trusted insurers near you.
Are cheap life insurance policies reliable?
Yes, cheap life insurance policies can be reliable if you choose a reputable insurance company. It’s essential to research and select a company with a strong financial rating and a history of fulfilling their policy obligations. Reading reviews and seeking recommendations can also help you gauge the reliability of a particular insurance provider.
Can I convert a cheap term life insurance policy into a permanent policy later?
Many term life insurance policies offer the option to convert to a permanent policy at a later date. However, the availability and specific terms of conversion can vary between insurance companies and policies. It’s advisable to review the terms and conditions of your cheap term life insurance policy or consult with your insurance agent to understand the conversion options available to you.
Check out our guide on “How to Buy Term Life Insurance“.
What is the lowest amount of life insurance?
The minimum coverage amount for a term life insurance policy is usually $100,000, although certain companies provide policies with coverage as low as $25,000 to $50,000.
At what age should you buy life insurance?
The type of coverage you choose is often influenced by your financial commitments, current way of life, and future goals. If you can comfortably afford the monthly premium, your twenties are an ideal time to invest in reasonably priced term life insurance.
What is the most basic life insurance?
Term life insurance is typically the most fundamental and cost-effective option available. These policies are purchased for a predetermined period.
Unveil more knowledge on our “Understanding Your Life Insurance Policy: Terms and Riders Explained“.
Which life insurance can you borrow from?
Loans against life insurance policies are typically limited to permanent life insurance plans, like whole life and universal life, which accumulate cash value over time. Term life insurance policies usually don’t offer this option as they lack a cash value component.
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Is it worth it to buy life insurance?
Life insurance helps cover large debts like mortgages or student loans, ensuring your family isn’t burdened with them if you pass away. It also provides valuable peace of mind, knowing your loved ones won’t face added financial stress.
Which type of policy is best?
Term insurance stands out as the most straightforward and cost-effective type of insurance policy. With term insurance, you have the option to choose a high life cover for a specific duration.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
