Get a term life quote if you want the most coverage for the lowest price during the years people depend on your income. Get a whole life quote if you want coverage that lasts your whole life and builds cash value, and you are ready to pay more for it.
What is term life insurance?
Term life covers you for a set number of years, such as 10, 20, or 30. If you die during the term, your beneficiaries get the death benefit. If the term ends, coverage ends unless you renew or convert it.
What is whole life insurance?
Whole life is a type of permanent life insurance. It lasts your whole life as long as premiums are paid, and part of what you pay builds cash value over time.
Which one fits me?
- Term often fits: young families, people with a mortgage, and anyone protecting income for a set number of years.
- Whole life often fits: people who want lifelong coverage, such as for final expenses or leaving money to family.
Some people combine both: a large term policy for the working years and a smaller whole life policy for life.
What do I need for a life insurance quote?
- Your age and basic health information
- Whether you use tobacco
- How much coverage you want
- How long you want it to last
The quote is a starting price. The final price is set after the insurance company reviews your application, which may include health questions or a medical exam.
How Riverfront Insurance Partners helps
We explain the difference in plain terms, quote both types when it makes sense, and compare life insurance options from the carriers we represent. No pressure.
Get your life insurance quote: call (859) 512-8325 or request a quote.
FAQ
Is life insurance through work enough?
Often not. Work coverage is usually a set amount and typically ends if you leave the job.
Can I change from term to whole life later?
Many term policies allow conversion. Ask what your policy allows.
Does smoking raise the price?
Yes. Tobacco use usually raises life insurance rates.