Thanks so much for taking the time to visit our site. Before you decide to move any further in this site, we would like to ask you to do one thing first and that is to take the time to read the contents of this home page, in its entirety. We apologize if we seem pushy. We don’t mean to at all. It is just that we care a great deal about you knowing, really knowing, who we are and what we stand for!

Ok, it is very simple. As our name implies, Life Insurance is all we do. With access to over 100 of the nation’s top rated life insurance carriers, offering over 6,000 products, The Life Insurance Place is supported by the nation’s leading distributor of life insurance and provider of advanced life insurance planning support services.

Whether it is first time or additional life insurance of which you are in need, you have definitely come to the right place. For either small and simple or large and complex needs, we have the necessary professional expertise, carriers and products to try and help you get the coverage you need.

When it comes to purchasing life insurance, consumers prefer to be treated with complete honesty. After speaking with you to help determine your individual insurability profile, we literally shop the market to try and find the best solution, at the lowest possible premium, based upon, again, your unique insurability profile. While we may not always be the bearers of good news, we will always be the bearers of the truth……….your truth!

So why did we create The Life Insurance Place? The best way to answer this is to share a true story.

Several years ago, a very senior executive for one of the nation’s premier life insurance carriers spoke to a large group of life insurance professionals. What he shared with them that day changed the way that many, if not most, of them would think about life insurance for the rest of their lives.

He shared that his company paid out hundreds of millions of dollars in life insurance death benefits to many of the surviving families of the tragedies of 9-11. When they heard this, many in the audience began to clap. When the clapping subsided, the senior executive spoke saying that, while on the surface this seemed like wonderful news, the audience needed to hear the rest of the story.

The senior executive then went on to say that, of the hundreds of millions of dollars in life insurance death benefits paid to many of the surviving families, the average death claim represented only 2.1 times income for each deceased. In fact, the senior executive actually referred to this as another devastating tragedy associated with 9-11. No truer words have ever been spoken.

You see, the Life Insurance Marketing Research Association (LIMRA) has always recommended that someone with a family should have a minimum of 8 to 10 times their income in life insurance death benefit. Well, if 8 to 10 times income is the recommended amount necessary to make sure that someone’s family is adequately protected, how well are America’s families covered? The answer is not good.  *The average working American has only 2.3 times their annual income in life insurance death benefit amount.

Despite the fact that, again, *the average working American has only 2.3 times their annual income in life insurance death benefit amount., according to recent researched conducted by Prudential Life Insurance, 70% of consumers surveyed believe it is important to work with a professional to help them make the best choice when it comes to life insurance. Further, 66% of consumers believe that it is extremely important to have life insurance outside of and not associated with work.

According to recent researched conducted by Prudential Life Insurance, 70% of consumers believe it is important to work with a professional to help them make the best choice when it comes to life insurance. Further, 66% of consumers believe that it is extremely important to have life insurance outside of and not associated with work.

Life insurance is for those that have to go on living. Again, Life insurance is for those that have to go on living. Losing someone you love is painful enough. To have to also deal with financial stresses and uncertainties at such a time seems almost cruel.

Let us help you make sure you are adequately covered!

*Prudential Life Insurance

Life Basics

 Each life insurance planning and product service provider has their own philosophy with respect to what type of approach works best. Some believe that the self-service model works best. As such, they create sites that are filled with volumes of information to include both needs calculators and quote engines. We wish them all lots of success!

The research conducted and released each year by both LIMRA (Life Insurance Marketing Research Association) repeatedly indicates that a very large number of consumers report needing a trusted insurance professional to help them make the proper choice.  In addition to LIMRA, recent research conducted by Prudential Life indicated the following:

1. 70% of consumers believe it is important to work with a professional to help them make the best choice when it comes to life insurance

1. Further, 66% of consumers believe that it is extremely important to have life insurance outside of and not associated with work

As such, the creators of this service have chosen to follow a model that focuses on providing extraordinary personal service, through seasoned life insurance professionals. 

What Type of Insurance is Right for You?

There are two basic types of life insurance available on the market today, Term Life Insurance and Permanent Insurance.  Further, within these two basic types are numerous additional variations. Which one is for you?  It may depend on how long you need the coverage.  If you have a temporary protection need, Term Life Insurance may be appropriate.  If you expect to need life insurance for a longer duration or perhaps you are interested in cash value accumulation, then a Permanent Life Insurance option may be the better choice. We can help you determine which approach is appropriate for your circumstances and personal preferences.  

How much is Right for You?

Many people have trouble figuring out how much life insurance is right for them.  As stated earlier, The Life Insurance Marketing Research Association has always recommended that someone with a family should have a minimum of 8 to 10 times their income in life insurance death benefit. Unfortunately, the average working American has only 2.3 times their annual income in life insurance death benefit amount. While each situation is different, it’s important to buy enough coverage so your family is taken care of, but you shouldn't overpay for insurance you may not need.  At The Life Insurance Place, our professionals are experts at recommending the appropriate amount of coverage for you and your situation.

Do you really need life insurance?

No, you don't necessarily need life insurance, but most people feel like they have a responsibility to protect the ones who depend on them...And that is exactly what life insurance does...

 

This is a general summary of available programs and is provided for informational purposes only to provide an overview of the types of products and services available through this service. This is not an offer to sell any product or security in any state or other jurisdiction. The insurance policies described are issued by various companies. They are not available in all states. Policy terms, conditions and limitations will apply. Not all applicants will qualify for coverage. You can obtain more information about these products and services by contacting your agent. This service makes no representation regarding the suitability of these products to your needs. Neither this service nor the insurance carriers provide tax or legal advice regarding these programs. You should consult your own tax, legal and other advisors before purchasing these products. 5:10