Affordable First-Time Life Insurance Shopping

Affordable First-Time Life Insurance Shopping


Getting Started. The amount of information available when looking to buy life insurance for the first time can be daunting. The following tips will help make the process of buying life insurance for the first time easier.

Determine Your Needs

Many people start looking for their first life insurance policy when a baby becomes part of the equation in their family. Others are simply looking to prepare for a more stable future and to prepare for the unexpected. Whatever the reason may be, it's important to pinpoint your motivation and goals. Allstate agents are available at every step in the process to help you understand your life insurance needs. To find an Allstate agent near you, use our handy agent finder tool.

Life insurance can help families pay for housing expenses, educational expenses, and retirement plans for loved ones in the event of the death of a spouse or parent.

Crunch the Numbers

After you establish why you are looking to purchase life insurance, it's important to pinpoint the amount of coverage you need. Life insurance can be very affordable, no matter what your budget may be. The amount of insurance coverage you need depends on many factors, including your current age and the financial goals of your family. Allstate makes it easy to help find the right solution for you by understanding more about your life and your overall financial goals.

To calculate your own coverage needs, use our insurance needs calculator.

Understand The Options

There isn't a "one size fits all" solution when it comes to life insurance plans. Allstate agents offer life insurance plans to best serve budgets of all sizes. Understanding how much coverage you need from your life insurance policy is the first step in finding the perfect fit. You can use our financial tools to help work through the planning stages of your financial future, then work with your agent to select from one of the following life insurance plans:

  • Term insurance provides coverage for a set period of time. Generally these policies can last for up to 30 years. Payments to the plan are called a premium, which is determined by things like your personal health history and age. Once you purchase your term insurance plan, your premium will not change for the term of your policy.
  • Permanent insurance provides coverage that is designed to last your lifetime as long as you pay your premiums. This option is typically more expensive than term insurance. Permanent insurance may accumulate cash value over time.

Connect with Qualified Professionals

No matter which type of plan you select, the time and effort you put into protecting your loved ones and planning for their future is time well spent. To be sure that you are making the right decisions when purchasing a life insurance plan, find an Allstate agent near you who can answer any questions you may have or get a quote online.

Life Insurance offered through Allstate Life Insurance Company, Northbrook, IL; Allstate Assurance Company, Northbrook, IL; Lincoln Benefit Life Company, Lincoln, NE and American Heritage Life Insurance Company, Jacksonville, FL. In New York, life insurance offered through Allstate Life Insurance Company of New York, Hauppauge, NY.

Learn more about how to plan for your family's future

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 2920 South 84th Street, Lincoln, NE 68506. (877) 525-5727 © Allstate Life Insurance Company, Northbrook, IL.

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