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Term Life Insurance in Virginia Beach, VA

Insure-Insured-Insurance.com offers Virginia Beach residents term life insurance from many A-rated life insurance companies. Term life insurance is very easy to understand in its basic form. You choose the term (how many years you would like the policy to be in force, which is typically 10 years, 20 years, or 30 years), answer a few questions about your general health and living habits, then your provided a quote for the premium, which is usually a fixed amount paid monthly or annually. There is typically no cash value associated with Term Life Insurance policies and the premiums usually are fixed for the entire term and do not raise or lower over time.

Virginia Beach, Virginia term life insurance

Whole Life Insurance in Virginia Beach, VA

Virginia Beach whole life insurance provides lifetime death benefit coverage for a level premium. For young people, whole life premiums are usually much higher than term insurance premiums. Part of the whole life insurance contract mandates that the policyholder is entitled to a cash value reserve that is part of the policy and is guaranteed by the insurance company. This cash value can be accessed at any time through policy loans that are received income tax-free and paid back according to the loan payment schedules. These policy loans are available until the insured's death. If any loans amounts are outstanding (not yet paid back), upon the insured's death, the insurer subtracts those amounts from the policy's death benefit/face value and pays the remainder to the policy's beneficiary.

The advantages of whole life insurance in Virginia include guaranteed cash values; guaranteed death benefits; guaranteed cash values; fixed and predictable premiums; and mortality and expense charges that do not reduce the policy's cash value. Death benefit amounts of whole life policies can also be increased through accumulation and/or reinvestment of policy dividends, though these dividends are not guaranteed and may be higher or lower than earnings at existing interest rates over time.

Universal Life Insurance in Virginia Beach, Virginia

Virginia Beach universal life insurance is intended to combine permanent insurance coverage with greater flexibility in premium payments, along with the potential for greater growth of cash values. There are several forms of universal life insurance policies, including variable universal life (VUL), interest- sensitive (also known as "traditional fixed universal life insurance"), guaranteed death benefit, and an equity-indexed Virginia universal life insurance. All universal life insurance policies have cash value.

Paid-in premiums increase UL cash values. With universal life, both the premiums and death benefit are flexible. With the exception of guaranteed-death-benefit universal life policies, universal life policies trade their greater flexibility off for fewer guarantees. "Flexible death benefit" means the policy owner can choose to decrease the death benefit. The death benefit can also be increased by the policy owner, usually requiring new underwriting. Another feature of flexible death benefit is the ability to choose option A or option B death benefits and to change those options over the course of the life of the insured. Option A is often referred to as a "level death benefit"; death benefits remain level for the life of the insured, and premiums are lower than policies with Option B death benefits, which pay the policy's cash value (face amount plus earnings/interest). If the cash value grows over time, the death benefits do too. If the cash value declines, the death benefit also declines.

List of Life Insurance Companies

 Acacia Life Insurance Company  AETNA Insurance Company
 AIG American General Insurance Company  AIG Insurance Company
 AIG-SunAmerica Life Insurance Company  Allianz Insurance Company
 Allstate Insurance Company  American Equity Investment Life Insurance Company
 American Family Insurance Company  American National Insurance Company
 American Pioneer Insurance Company  American Republic Insurance Company
 American Skandia Insurance Company  American United Life Insurance Company
 Ameritas Insurance Company  Amica Insurance Company
 Assurant Health Insurance Company  Assurity Life Insurance Company
 Auto Owners Insurance Company  Aviva Life Insurance Company
 Bankers Life and Casualty Insurance Company  Banner Life Insurance Company
 Baptist Life Association Insurance Company  BCS Life Insurance Company
 Beneficial Life Insurance Company  Boston Mutual Insurance Company
 Cigna Health Insurance Company  CNA Insurance Company
 Colonial Insurance Company  Colonial Penn Insurance Company
 Columbian Life Insurance Company  Columbian Mutual Insurance Company
 Combined Insurance Company  Conseco Insurance Company
 Constitution Life Insurance Company  Country Financial Services Insurance Company
 Country Insurance Company  CUNA Mutual Insurance Company
 EMC Insurance Company  Equitable Insurance Company
 Family Heritage Life Insurance Company  Farm Bureau Insurance Company
 Farmers Insurance Company  Federated Insurance Company
 Firemans Fund Insurance Company  First Investors Life Insurance Company
 Forethought Financial Insurance Company   Garden State Life Insurance Company
 Genworth Life & Annuity Insurance Company  Gerber Life Insurance Company
 Globe Insurance Company  Golden Rule Insurance Company
 Great American Insurance Company  Great West Insurance Company
 Guardian Insurance Company  Hartford Insurance Company
 Horace Mann Insurance Company  Illinois Mutual Life Insurance Company
 ING Insurance Company  Integrity Life Insurance Company
 Investors Heritage Insurance Company  Jackson National Life Insurance Company
 John Hancock Insurance Company  Knights of Columbus Insurance Company
 Liberty Life Assurance Insurance Company  Life Insurance Co. of the Southwest Insurance Company
 Lincoln Financial Group Insurance Company  Madison National Life Insurance Company
 Manhattan Life Insurance Company  Marquette National Life Insurance Company
 Mass Mutual Insurance Company  Metropolitan Co. Insurance Company
 Mid-West National Insurance Company  Minnesota Life Insurance Company
 Modern Woodmen of America Insurance Company  Monumental Life Insurance Company
 MSI Insurance Company  Mutual of America Insurance Company
 Mutual of New York Insurance Company  Mutual Of Omaha Insurance Company
 National Life Insurance Company  National Security Life & Annuity Insurance Company
 Nationwide Insurance Company  New York Life Insurance Company
 North American Insurance Company  North Carolina Mutual Insurance Company
 Northwestern Mutual Life Insurance Company  Oxford Life Insurance Company
 Pacific Life Insurance Company  Pan-American Life Insurance Company
 Penn Mutual Insurance Company  Pennsylvania Life Insurance Company
 Peoples Benefit Life Insurance Company  Perico Life Insurance Company 
 Phoenix Insurance Company  Physicians Mutual Insurance Company
 Pioneer Life Insurance Company  Pioneer Mutual Insurance Company
 Presidential Life Insurance Company  Primerica Insurance Company
 Principal Financial Insurance Company   Protective Life Insurance Company
 Protective Life Insurance Company  Prudential Insurance Company
 Reliance Standard Life Insurance Company  ReliaStar Life Insurance Company
 RiverSource Life Insurance Company  SAFECO Insurance Company
 SBLI USA Mutual Insurance Company  Security Mutual Life Insurance Company
 Sentry Group Insurance Company  Standard Security Life Insurance Company 
 State Farm Insurance Company  Stonebridge Life Insurance Company
 Sun Life Canada Insurance Company  Sun Life Insurance Company
 Symetra Life Insurance Company  The Standard Life Insurance Company
 The State Life Insurance Co.  Thrivent Financial for Lutherans Insurance Company
 TIAA Insurance Company  Transamerica Occidental Insurance Company
 UGA Insurance Company  Unicare Insurance Company
 Union Bankers Life Insurance Company  Union Central Life Insurance Company
 United American Insurance Company  United Fire & Casual Insurance Company
 United Heritage Life Insurance Company  United Services Automobile Association Insurance Company
 Unitrin Direct Insurance Company  Unity Mutual Insurance Company
 Universal American Financial Corp.  Unum Insurance Company
 West Coast Life Insurance Company  Western Reserve Life Insurance Company
 Western Southern Life Insurance Company  William Penn Life Insurance Company
 Woodmen of the World Insurance Company  Zurich North America Insurance Company

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