Compare Life Insurance Quotes

  1. There’s no time better to secure a term life insurance policy than right now. Your ability to qualify for life insurance and the associated premiums are determined by age and health history and you aren't getting any younger or healthier. Unfortunately, most people don’t develop a sense of urgency to buy life insurance until they experience an event that reminds them of their mortality. By that time, if they can obtain life insurance coverage at all, they’re faced with significantly higher premiums. Don’t let this happen to you.
  2. Term life insurance offers the most coverage for the least amount of money. Financial planners such as Suze Orman and Dave Ramsey urge people to steer clear of all other life insurance products. When you compare term life and whole life insurance, you will find the other option offers attractive commissions to life insurance agents but make little sense for the majority of those who are shopping for a life insurance policy.
  3. Online brokerages like My Insurance Expert offer you a tremendous advantage over shopping through individual life insurance agents. We give you the ability to compare life insurance quotes all in one central location. As an online brokerage, we represent many major life insurance companies and, as a result, are not partial to any one provider or policy. Ultimately, My Insurance Expert is driven only to find you the best life insurance policy for your needs and budget, resulting in savings of up to 75% on your life insurance premiums.

Compare Health Insurance Quotes

Few things are as scary as being without reliable health insurance. You feel like you're gambling with fate and hoping for the best, while worrying every time you hear about someone experiencing an unexpected medical emergency or sickness. Let us put those worries to rest for you.

At My Insurance Expert, we take the headache out of getting and comparing health insurance quotes. In a few easy steps, you will have health insurance quotes from various companies, allowing you to compare health insurance plans and premiums from top providers specific to your location. Whether you are in need of individual coverage or a complete family health insurance plan, our proven system eliminates the need to contact each insurance provider one by one.

Health insurance is important for your medical and financial security. Don't gamble another minute! You may be surprised just how cheap health insurance premiums can really be. Get started on the road to peace of mind. Get your health insurance quote today!

What is disability insurance?

Disability insurance is a form of insurance created to cover a percentage of a policy holder’s wages should they become unable to work due to illness or injury, and unlike with worker compensation plans individuals with disability insurance are covered for disabilities that happen both at work and at home. The money paid out is calculated either as a set dollar amount or as percentage of the holder’s wages, and each policy will outline when disability payments will commence, how long they will continue, and when they will end. Payments can vary depending on whether the disability has been caused by accident or health-related problems, and premiums can differ based upon the length of time the policy covers, and the amount that will be paid out.

Long term disability insurance provides coverage that can last for a set number of years or until the beneficiary reaches the age 65, replacing part of the income that would have been earned had the policy holder been able to continue working until retirement. Long term disability insurance premiums can vary based on the amount of coverage required and the length of time the holder will receive benefits.

Who needs disability insurance?

It’s common practice for people to insure their cars, houses, and other material possessions. Unfortunately, many of these same people neglect to insure their most valuable asset—their continuing ability to work and earn an income to support themselves and their loved ones. In fact, according to a recent survey by the National Association of Insurance Commissioners, 56 per cent of U.S. adults say they would be unable to pay their bills or cover their expenses if they were disabled and unable to work for a year or more.

The reality is that proper disability coverage is just as important as life insurance because advances in medical technology mean the likelihood of becoming disabled due to accident or illness are now greater than the odds of death. The Council for Disability Awareness reports that almost 3,000 Americans become disabled each hour, and almost one third of those entering the workforce today will become disabled before they reach retirement.

Additionally, a recent study through Harvard Medical School found that medical problems contributed to almost half of all bankruptcies nationwide. If an individual relies upon his or her salary to pay bills and maintain their current lifestyle, disability insurance is an excellent way to protect themselves and their family from serious debt and financial struggle.

Learn more about disability insurance plans.