There are many kinds of life insurance, but they generally fall into two categories: Term Life Insurance and Permanent Life insurance policies.

Term life insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of life insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent life insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals. And in some cases a portfolio combining both term and permanent life insurance may be best.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to speak with an experienced, qualified  licensed independent life insurance agent. RWM Insurance brokers have been helping clients since 1970. 

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About Us

Since 1970, RWM Insurance Brokers, (Rogers, Wollin & Moody) is a unique, industry award winning, independent life insurance brokerage firm.  No other agent or broker will give you more competitive pricing information.  Studies show most agents claim to be independent brokers, but represent less than 5% of the top carriers.  In researching the best coverage for you, we evaluate not just multiple companies, but every* policy available in the USA.  By working for you, not an insurance company, our goal is to provide the absolute best performing life insurance policy at the lowest cost  from a top rated insurance company. 

*We also represent carriers not available to other agents.  The financial press rates RWM's shopping system ‘the most objective and useful in the nation’.

How to Get a Free Life Insurance Quote

Step 1 Compare Price Quotes Use our online quote machine to get instant price quotes from more than 20 top life insurance companies.

Step 2 Complete Application Fill out and submit our secure online life insurance preliminary application anytime and anywhere.

Step 3 Health Assessment You will receive a phone call from an exam company to complete a health interview and, if needed, to schedule a paramedical exam.

Step 4 Receive Policy Offer Typically within 2-4 weeks you will receive an offer back from the insurance company. This you can choose to accept, reject, or modify.

Step 5 Activate Your Policy Submit your acceptance forms and initial payment and you will be insured and your loved ones financially protected!