How to Get Life Insurance
At Diversified Insurance Brokers, we make getting life insurance straightforward, transparent, and customized to your needs. With access to over 75 top-rated carriers, we help you compare policies, understand your options, and secure the right coverage at the best possible price. Whether you’re protecting your family, covering a mortgage, or leaving a legacy, our team can guide you every step of the way.
Get Your Life Insurance Quote
Compare plans, rates, and coverage options instantly from top-rated carriers.
Instant Life Insurance Quotes
Step 1: Decide How Much Coverage You Need
Calculate your coverage amount based on income replacement, debts, future expenses, and your family’s financial needs. A common guideline is 7–10 times your annual income, but we’ll help you determine the exact figure for your situation.
Step 2: Select the Right Type of Life Insurance
- Term Life: Affordable coverage for a specific number of years (often 10, 20, or 30).
- Whole Life: Lifetime protection with guaranteed cash value growth.
- Universal Life: Flexible coverage with potential for cash value accumulation.
- Final Expense: Smaller policies to cover funeral costs and final bills.
Step 3: Compare Multiple Carriers
Different companies offer different rates, underwriting standards, and features. Diversified Insurance Brokers shops over 75 carriers to find your best match based on health, budget, and goals.
Step 4: Complete Your Application
Our advisors guide you through the application process, ensuring your information is accurate and complete. Some policies require a brief medical exam, while others may approve instantly without one.
Step 5: Activate Your Coverage
Once your policy is approved, we review it with you to confirm the details match your expectations. Your coverage starts as soon as your first payment is made, giving you and your family immediate protection.
Why Work with Diversified Insurance Brokers?
We work for you—not the insurance companies. Our independent status means we recommend the policy that best fits your needs and budget, not the one that pays us the most. With decades of experience and a client-first approach, we make the process fast, easy, and stress-free.
Protect Your Loved Ones Today
Start your life insurance journey with guidance from Diversified Insurance Brokers.
FAQs: How to Get Life Insurance
What’s the first step to getting life insurance?
Decide the job of the policy (income protection, mortgage payoff, legacy, final expenses) and estimate a coverage amount. Then request quotes across multiple carriers to compare pricing and underwriting paths.
How much coverage should I get?
A quick rule is 10–15× income, but a needs analysis is better—add debts, mortgage, future goals (e.g., college), and final expenses, then subtract savings and existing coverage.
Which type should I choose—term or permanent?
Term life is the lowest cost for temporary needs (10–40 years). Permanent (whole/UL) lasts for life and can build cash value. Many families use term for income protection; permanent is used for lifetime needs or estate planning.
Do I need a medical exam to get covered?
Not always. Instant-decision and simplified-issue options may skip exams and labs. Fully underwritten policies may require them but can offer lower premiums for healthy applicants.
How long does the process take?
Instant decisions can approve in minutes. Simplified-issue typically takes days. Fully underwritten cases can take 2–6 weeks depending on medical records and labs.
What affects my premium the most?
Age, health, nicotine use, coverage amount, policy type/term length, and risk factors (driving, hobbies). Applying sooner generally locks in lower pricing for the term or lifetime of the policy.
Can I get life insurance if I have health issues?
Often, yes. Many carriers offer lenient underwriting for managed conditions, and guaranteed-issue options exist with no health questions (typically lower amounts and graded benefits).
Who should I list as beneficiary?
Name a primary and contingent beneficiary and keep them updated. Avoid listing minors directly; consider a trust or custodian to manage funds if a claim occurs while they’re underage.
What riders are worth considering?
Common riders include accelerated death benefit (terminal/chronic illness), waiver of premium (disability), child rider, and term conversion features. Add riders that match your goals and budget.
Is employer life insurance enough?
Group coverage is a good start but often limited (e.g., 1–2× salary) and not portable. A personal policy locks in pricing and follows you if you change jobs.
Disclaimer: Product availability and underwriting vary by state and carrier. This is general information—not legal, tax, or financial advice.
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