FAQ’s

Life insurance is designed to cover some of life’s largest expenses—like a home mortgage, debt, your children’s college tuition, and even lost income. It can also help take care of day-to-day costs—essentially anything your beneficiaries may need. Ultimately, how the payout is used is entirely up to them. Learn more about how life insurance works.

At Life Insurance Network, we provide term life insurance for individuals aged 20 to 65 and guaranteed issue whole life insurance for those aged 65 to 85. Our term life insurance policies can last between 10 and 30 years, with coverage from $20,000 to $2 million, based on eligibility.

While having life insurance through your employer is helpful, it typically covers only about 1-2 times your annual salary. Financial experts suggest having life insurance coverage closer to 10 times your income. That’s why many people choose to buy an individual term life insurance policy to ensure they have enough protection beyond what their workplace offers.

Life Insurance coverage through Life Insurance Network is available to U.S. citizens and permanent residents between the ages of 20 and 85. If you’re 65 or younger, you can apply for term life insurance that lasts until age 80. For those over 65, guaranteed issue whole life insurance is a straightforward way to secure coverage quickly. Life Insurance Network

Determining how much life insurance you need can start with a simple rule of thumb: multiply your annual income by 10. Another approach is to total your long-term financial obligations and subtract your assets. The gap you find is the amount of life insurance you should consider. Because it can be tricky to know exactly what to include, we offer a life insurance calculator to help you pinpoint your coverage needs.

Yes, Life Insurance Network does offer a money-back guarantee. Our application process is entirely free and has no impact on your credit score. Each life insurance policy comes with a 30-day free look period, which means you’re eligible for a full refund if you cancel within the first 30 days of purchase. Beyond that, you can cancel your policy at any time for any reason—there are no cancellation fees or penalties. Simply call or email us to request a surrender form, and once we receive your signed form electronically, we’ll process the cancellation without any fees.

What sets Life Insurance Network apart is our innovative approach to applying for life insurance. We use a proprietary underwriting engine that algorithmically matches each applicant with the most suitable product, helping you find the right life insurance policy quickly and efficiently. You can check your final approved rates in just a few minutes and secure coverage the same day.

Yes! At Life Insurance Network, we’re always here to help. If you’d like to speak with a real person, you can easily reach out to our customer success team by emailing us at support@thelifeinsurancenetwork.com. We’re ready to answer any questions and support you in your life insurance journey.