Life Insurance
Life Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Life Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Life Insurance Information
Life insurance is a key component of a solid financial plan especially if you have loved ones who rely on your income. At Arches Insurance, we’re here to help you choose the most appropriate policy for your lifestyle and needs.
How Does Life Insurance Work?
If you purchase a life insurance policy for yourself, you also choose the beneficiaries. You must pay your premiums regularly to ensure continuous coverage. After you die, your beneficiaries can file a death benefit claim.
There are two main types of life insurance:
- Term life insurance may provide coverage for a set period such as 10, 20, 30 or 40 years. It is typically the least expensive type of life insurance, depending on the amount of coverage and policy term you choose.
- Whole life insurance can provide lifelong coverage, so long as you pay your premiums as agreed. It typically builds cash value over time that you can borrow against according to the policy’s rules.
How Much Does Life Insurance Cost?
Several factors can influence the cost of a life insurance policy, depending on the insurer. These may include:
- Your age and sex
- Your medical history
- Your hobbies and occupation
- Your tobacco use
- Your credit history
Your agent can help evaluate your situation to determine the right amount of life insurance for you. Consider if the death benefit is enough to pay off your liabilities, replace your income and support your beneficiaries if you unexpectedly pass away.
Where to Get Life Insurance
Contact Arches Insurance to learn more about life insurance or request a personalized quote.
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