Getting the right plan and best life insurance quote can be directly influenced by your life stage. With so many options, it can be hard to decide what is right for your particular situation. This handy FAQ on best life insurance rates is here to help. We’ve assembled some commonly asked questions about how certain events in your life can affect your life insurance choice. Read more for valuable information on Term Life, Whole Life, children’s life insurance and much more.
We offer a number of affordable coverage options for people who are just starting out. Our Renewable & Convertible Term Life products offer large benefit amounts, affordable premiums that stay level for up to 30 years, and the ability to convert your coverage to a permanent eligible Whole Life plan at any time. Contact us and we'll help you get the best life insurance quote for your particular circumstances.
As the name suggests, Whole Life is permanent life insurance that provides protection your whole life through. It also offers cash value that grows tax-deferred over time - cash value that can be borrowed against for a variety of purposes*. What's more, Whole Life premiums stay level for as long as you own the policy ... and the death benefit stays the same, as well*. For an estimate of the premium costs involved with Whole Life insurance, fill out our free, no-obligation Quotes form or call a Sales Advisor. We will help you in finding the best life insurance premium quote for your desired Whole Life plan.
*Loans against the policy will reduce the death benefit amount by the sum owed.
The best way to avoid this situation is to purchase our Waiver of Premium policy rider*. For a small additional monthly charge, this rider will cover your premium should you become fully disabled before age 60.
Term Life insurance offers families reliable protection at an affordable cost. It is particularly useful when you are just starting out, when people have many obligations and few assets. Term Life can provide an essential level of security for your loved ones. It also offers the flexibility of level payment options for up to thirty years, and the ability to convert your coverage to an eligible Whole Life policy at any time without having to answer any additional medical questions. For an estimate of the premium costs involved with Term Life insurance, fill out our free, no-obligation Quotes form or call a Sales Advisor. We will work hard to help you obtain the best life insurance quote for your desired Term Life plan.
SBLI USA does offer a policy rider for Spouse Coverage that provides supplemental Term Life insurance for your spouse. The Spouse Coverage rider is available with certain policies. Visit our Products section for more information about the best life insurance rates available, or talk to an insurance agent right now.
*Not available on all polices and requires underwriting review.
We have developed a number of products that address the needs of people at your stage of life. Limited Payment Whole Life is one that offers a cash value and a death benefit, with premiums that end after twenty years. There's also Single Premium Whole Life, which provides Whole Life benefits for one convenient premium payment. Either way, these options mean one less payment you'll need to keep track of while you're enjoying your retirement ... and that's a good thing.
On most of our Whole Life policies, we offer a 10 Year Term rider that provides additional coverage up to $100,000 with premiums that stay level for ten years. It's an affordable way to ensure that "disappearing" liabilities (like consumer debt) are covered for as long as is needed.
We offer a number of resources you may find useful in helping to build your financial plan. Our free Planning Guides offer insights into the issues involved in insurance planning, with three levels to choose from. We also provide a number of educational resources on this Web site, including full-length interactive seminars, articles, real life stories, life events, and more. You'll find all of these resources in the Education & Information section.
If you need help accessing any of these resources, feel free to give us a call at 1-866-SUSA-WEB or fill out our best life insurance quote form. We'll be happy to help.
You might give our Simple Term Life policy a try. To apply, just answer a few health questions. Generally, no medical exam is required.* Simple Term Life offers up to $150,000 worth of Term Life coverage, with premiums that stay level for ten years. See our Products section for more information or talk to one of our friendly, knowledgeable representatives right now by clicking the sidebar menu link. We'll work with you to help you obtain the best life insurance rate quote and plan for your situation.
SBLI USA offers a number of policies that are available for children. Most of our Whole Life options, for instance, provide coverage for children 15 days old and older. We also offer Children's Single Premium Term Life, a policy designed specifically for children that provides up to $15,000 in coverage for one affordable premium payment. Children's Single Premium Term may be converted to an eligible Whole Life policy at up to five times the policy's original face value. For more information, visit our Products section.
Our Select ChoiceSM tax-deferred annuity is a great way to help save for your golden years. Secured by the financial strength of SBLI USA, this flexible financial vehicle allows your assets to grow tax-deferred, with attractive interest rates and guaranteed monthly income options. Find out more at our Products section, or talk to one of our friendly, knowledgeable representatives right now by clicking the sidebar menu link.
*Based on the answers given to the application questions, proof of insurability may be required.
Term Life insurance tends to be the most affordable. However, Term policies become more expensive to buy as you get older. While Whole Life policies are initially more expensive, your premium stays the same your whole life through, with no reduction in benefit.*. Bear in mind that Whole Life brings you features Term Life doesn't offer, including cash value and lifetime protection. For an estimate of the premium costs involved with Whole and Term Life insurance, fill out our free, no-obligation Quotes form or call a Sales Advisor. We will work with you to find the best life insurance quote and plan to match your needs.
Yes. On many of our policies, we offer an accidental death rider that provides for an additional payment (up to $250,000) if you die as the result of an accident. We also offer a stand-alone Accidental Death & Dismemberment Insurance policy that provides up to $150,000 in coverage for accidental death and covered severe injuries. See our Products section for more details.
SBLI USA offers a product for men and women aged 55 to 75. It's called SeniorLife, and it features lifetime coverage, level premiums, cash value, and guaranteed acceptance. If you're between the ages of 55 and 75, you can't be turned down for coverage for any reason.
For more information about SeniorLife and other SBLI USA product options, visit our Products section.
