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Have you ever wondered about questions like these:

How about these…

  • Are insurance companies trustworthy? (Since the Great Recession, this question is on a lot of people’s minds)
  • What KIND of life insurance do life insurance agents buy?
  • What is the agent’s commission when they sell you a life insurance policy?
  • My car insurance company tried to avoid paying me when I filed a claim. How do I know the insurance company won’t do the same thing?
  • I have insurance from my job. Why the heck should I buy more?

If you have questions, we believe you DESERVE answers. (Call us crazy)

No cute catchphrases. No mumbo-jumbo you need a Ph.D. to understand. Simple, straightforward answers.

So we’re pulling back the curtain and revealing everything you could ever want to know. Life insurance is too important to be a mystery.

Whether you’re the kind of person who wants to know everything about a subject before making a decision… or if you’re just looking for someone you can trust to guide you through the process…

We are here for you. We’d love to educate you about life insurance. We’ve found that smart customers are good customers. You can be confident that you’re dealing with experts.

Here on the site, you have access to information and tools you can use to find answers for many of your questions. Our goal is to as simple as possible to make the educated decisions when it comes to life insurance, health insurance and financial planning.

Click one of the blue boxes below to learn more.

Still have questions? Call 800-442-9899 to speak with one of our experienced, caring professionals.

Life Insurance

Here’s what you need to know about the most important product in history. You’ve GOTTA get this right!

How It Works

LTC Insurance

70% of retirees will need long-term care sooner or later. LTC insurance helps cover the high cost of these services

What You Need to Know

Disability Insurance

Your ability to earn a living is probably your biggest asset what are you doing to protect it?

Protect Your Paycheck

Why Should You Trust AccuQuote?

You should purchase your life insurance policy from whoever gives you the best guidance. With over 200,000 customers and $100 Billion sold, and more media mentions than we can keep up with, we believe that's us. It's up to you to decide.

We challenge you to put our experts to the test—and see how our advice can help you save.

How Much Life Insurance Do I Need?

You don't get a second chance on this question.

Let’s do the math: Are you taking care of funeral costs or planning to leave a lasting legacy? Will your family have enough money to keep the house, pay the bills, send the kids to college, etc.?

Find out how much life insurance you need with the calculator on the right. (You’ll need this number when you’re requesting your free quote.)

Learn More




  • Annual income before tax: $

    Annual income is an important factor in determining your needs, but it’s not the only one. When you die, life insurance is like your final paycheck.

  • % of income needed by dependents:%

    Because you’ll be gone, presumably they won’t need as much as you’re currently earning. Typically, 80% of your current income is a good place to start.

  • Your Age: years

    The younger you are, the more years of your income your family stands to lose when you die.

  • Number of years benefits are needed:

    If you die tomorrow, how many years of income do you want to provide for your family?

  • Annual inflation rate (estimate):%

    Because of inflation, in order to maintain your family’s current standard of living, you’ll need to plan for increases in their annual income to keep pace. Historically, inflation has averaged between 2% and 4%.

  • Annual interest rate (estimate):%

    This is an assumption as to how much you believe your spouse will be able to earn on the death benefit proceeds. We have found that most surviving spouses are usually very conservative in how they invest the death benefit. The most common thing we see is that the money gets deposited into a bank account. You know your spouse better than anyone. Pick a number that you feel your spouse will be able to comfortably earn on the proceeds.

  • Based on the information you provided, you need about

    of life insurance to replace your income for the next years.

    If you’d like to re-calculate your insurance needs, please click the button below.

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