Life Insurance
Protect Your Family’s Future With Smart, Affordable Life Insurance Plans
What Is Life Insurance?
At Assurance Guru, we make life insurance very easy and affordable. We help you to find the right plan for your needs and budget. No matter if you want term life, whole life, senior life or universal life insurance, our team explains every option very clearly. We help you to compare the plans and pick the one that protects your family.
We worked with the best insurance companies to give you good coverage, fair prices and plans for every stage of life
Life Insurance Services – Assurance Guru
Life insurance is the money that your family will get after you pass away. It can help to pay for the funeral costs, debts, mortgage, school and daily life expenses.
It works like you have to pay the monthly or yearly premiums and the insurance company promises to keep your family money when you die. At Assurance Guru, we are here to help you compare the life insurance courts and pick the right plan for your budget and needs.
Life Insurance Services
Term Life Insurance
It is affordable and simple protection for a set time period. It covers you for a certain number of years and also costs you less and gives bigger coverage as compared to the other types.
Variable Life Insurance
This plan lets you grow money by investing. Your payout can change based on the market performance. It also offers lifelong coverage.
Universal Life Insurance
Inverse life insurance gives you flexible coverage with investment growth. You can also adjust the payments and some types also let your cash value grow.
Final Expense Insurance
This insurance pays for funeral expenses. It will help your family avoid the stress and debts. It also offers small, simple and fast coverage.
Guaranteed Issue Life Insurance
This plan needs no medical exam. Anyone can get this plan and it offers small coverage to help with the final costs and bills.
How Much Life Insurance Do I Need?
And everyone needs something different. A simple rule is 10-15 x your annual income or enough to cover mortgage, debts, education costs and daily living expenses.
Life Insurance Benefits
Choosing the right life insurance policy provides so many major benefits, including
- Financial security for your family
- Coverage for funeral and final expenses
- Mortgage and debt protection
- Income replacement
- Tax free death benefit payout
- Cash value growth for permanent life insurance
And everyone needs something different. A simple rule is 10-15 x your annual income or enough to cover mortgage, debts, education costs and daily living expenses.
Why Choose An Assurance Guru for Your Life Insurance Needs?
Life insurance very easy, faster and more affordable
- Instant Life Insurance Quotes
Get life insurance quotes online from trusted national carriers instantly
- Best Life Insurance Companies
We compare the top rated insurance company so you can get the quality coverage and lower rates
- Customized Life Insurance Policy Options
From permanent life insurance to term plans, we customise policies according to your needs
- Affordable Life Insurance for Every Budget
We help families to find the affordable life insurance without compromising the coverage
Benefits of Life Insurance
Financial security for your family
Affordable monthly premiums
Tax-free payout
No-medical exam options available
Instant approval for selected plans
Why Life Insurance Matters More Than Ever
Life is uncertain, but your family’s financial stability shouldn’t be. A strong life insurance policy makes sure that your loved ones never struggle with certain expenses like funeral costs, unpaid loans, daily bills, medical expenses or education fees.
With Assurance Guru, we make the entire process very simple, compare the plants and understand the benefits and secure the right policy without any confusion
How We Compare Life Insurance Plans For You
When you request a quote, we compare the multiple to operated insurance companies and show you a clear breakdown of every important detail. After breaking down, we will show you all these things.
- Price differences
- Coverage amounts
- Policy length options
- Cash value growth
- Riders options
- Approval requirements
Life Insurance Riders You Can Add
Add extra protection to your plan with these optional features, riders help you to customize your policy, enhance your coverage and give your family even more financial security during unexpected situations.
Accidental Death Benefit Rider
Pay more if that happens due to an accident
Critical Illness Rider
Get money during cancer, heart attack or major illness
Child Insurance Rider
Adds life insurance for your children for the better future
Waiver Of Premium Rider
There is no need to pay premiums if you become disabled
Frequently Asked Questions
Term Life insurance is a plan that gives you protection for a specific time period. If you die during that selected time then your family will get the money from the insurance company. If the term ends and your are still alive then the policy ends with no payout.
Usually no, the life insurance is not taxable however if you earn interest on that money later then it can be taxed.
It works in a way that you choose a plan, then you pay monthly or yearly premiums if you die then your family will get the money from the insurance company.
Life insurance is an agreement with a company where you pay a small amount every month and when you die your family will receive a big amount of money so that this will help your family financially after your death.
Whole life insurance is the type of permanent life insurance plan, it gives you coverage for the entire life and also builds cash value over time and you can use this money later in life when you need it. But remember this plan is more expensive than the term life insurance plan.
Get Your Life Insurance Quote Online Today
Take the first step towards protecting your family’s financial future. Assurance Guru will help you to compare the plans, understand your options and choose the right coverage that fits your life.