{"id":1474,"date":"2024-02-28T22:48:15","date_gmt":"2024-02-28T22:48:15","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=1474"},"modified":"2024-08-21T22:40:35","modified_gmt":"2024-08-21T22:40:35","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_d65b21d1e668c445e7fd622868a8e09e\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Take the Next Step Towards Peace of Mind<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>There are several aspects to consider when purchasing life insurance for yourself or your loved ones. Whether you need coverage to ensure your family\u2019s well-being, need to help take care of debt left behind, or simply need additional coverage during your child-rearing years, you don\u2019t want to be unprepared in the event of tragedy. Acceptance Insurance agents offer affordable life insurance options to keep you covered should the unexpected happen.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/img-intern-car-insurance-2@2x-68.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/img-intern-car-insurance-2@2x-68@2x.webp 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/img-intern-car-insurance-2@2x-68.webp\" alt=\"family enjoying the sun on the beach and son with arms up acting like he\u2019s flying on dad\u2019s back\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/img-intern-car-insurance-2@2x-68@2x.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_98283c249e7cefa085f22478e11ee818\" -->\n            <h2 class=\"c-section__title c-section__title--left\">What is Life Insurance?<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>At its core, life insurance helps financially protect the ones you love in case something happens to you and you are no longer there to provide for your family. There is no perfect time to purchase life insurance: Every life event means changes you can prepare for by helping to make sure your loved ones won\u2019t struggle if something happens to you.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/life-insurance\/life-insurance-faq\/\/\" class=\"o-component c-icon-callout c-icon-callout--green\" id=\"product-callout-block_6e4647c0003ad5144b0a547d9016d91e\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/Group-625575.svg\" alt=\"\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Life Insurance FAQ <\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Get answers to common insurance questions<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n<!-- id=\"general_text-block_d376307d1f52d3bb5cebab6bfa0d470e\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Types of Life Insurance Coverage<\/h3>\n<p>When purchasing life insurance, you\u2019ll find you have several choices. It can be confusing to understand and navigate the best one for your specific situation and goals. We offer a variety of life insurance options to fit different stages of your life, including:<\/p>\n<ul>\n<li>Term Life<\/li>\n<li>Whole Life<\/li>\n<li>Short-Term Life<\/li>\n<li>Universal Life<\/li>\n<li>Final Expenses Life<\/li>\n<li>Permanent Life<\/li>\n<\/ul>\n<p>At Acceptance, our local agents will walk you through the best options for you and your family. We can help you find affordable insurance solutions that provide peace of mind as you move through your life.<\/p>\n    <\/div>\n    \n\n        <h2 id='home-products-grid-list-block_125bb866a7dd8c597fe87b858fbfcba0' class=\"c-section__title c-section__title--center c-section__title--big\">All Products We Offer<\/h2>\n        <div class=\"c-section__content\">\n            <div class=\"o-component s-cms-content s-cms-content--big s-cms-content--center\">\n                <p>Our agents work with top national insurance companies. Choices galore!<\/p>\n            <\/div>\n            <div class=\"o-component c-products-grid\">\n                                    <ul class=\"o-list-bare c-products-grid__list\">\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-auto-insurance.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">Auto Insurance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/renters-insurance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-renters.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">Renters Insurance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/motorcycle-insurance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-motorcycle.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">Motorcycle Insurance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/sr-22-auto-insurance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-sr22.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">SR-22 Insurance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/homeowners-insurance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-homeowners.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">Home Insurance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                                                                <li class=\"o-list-bare__item c-products-grid__item\">\n                                <a class=\"c-products-grid__link\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/roadside-assistance\/\">\n                                    <img loading=\"lazy\" decoding=\"async\" class=\"c-products-grid__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-roadside-assistance.svg\" alt=\"\"\n                                            aria-hidden=\"true\" width=\"60\" height=\"60\">\n                                    <span class=\"c-products-grid__text\">Roadside Assistance                                        <\/span>\n                                <\/a>\n                            <\/li>\n                                            <\/ul>\n                                                                        <div class=\"c-button__wrapper c-button__wrapper--center\">\n                        <a class=\"c-button c-button c-button--linear-green\" href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/\">See More Insurances<\/a>\n                    <\/div>\n                            <\/div>\n        <\/div>\n\n\n\n<p><\/p>\n\n\n<!-- id=\"general_text-block_a1d112919c29aebff83a96f27d92241f\" -->\n        <div class=\"o-component s-cms-content\">\n        <h2>How Much Does Life Insurance Cost?<\/h2>\n<p>The average cost for a 30-year-old male with no poor health factors is around $22 per month for $250,000 of term. A whole policy with the same factors will come in much higher at around $3,000 annually. That amount increases significantly as a person ages. The average cost of term is $80 per month for a healthy male at age 50.<\/p>\n<p>The cost of a life insurance policy is determined by various factors including age, lifestyle, occupation, health, and more. If you&#8217;re a young, healthy non-smoker, you can typically expect a lower rate compared to a middle-aged smoker with diabetes, for instance. The cost also depends on your desired coverage amount and whether you choose term or permanent life insurance.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_6f3a49e32743af0d23f32029233d05aa\" -->\n            <h2 class=\"c-section__title c-section__title--left\">What Factors Affect the Price of Life Insurance Quotes<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>There are many different variables that determine a life insurance quote. Here is a more detailed look at how insurance underwriters come up with the cost of insurance:<\/p>\n<ul>\n<li><strong>Type of Policy:<\/strong> Term is less expensive than whole, but when the time is over, you do not get any money back. There is no payment once your \u201cterm\u201d is over.<\/li>\n<li><strong>Age:<\/strong> The younger you are, the less money your policy will cost. That\u2019s why it\u2019s a good idea to purchase a policy when you first get \u201cout on your own.\u201d<\/li>\n<li><strong>Gender<\/strong>: Insurers like statistics and when it comes to life span, women tend to live longer than men.<\/li>\n<li><strong>Health<\/strong>: Those who are considered healthy will pay less than those with chronic disease conditions. Also, if you smoke or have smoked, you may find your price is higher.<\/li>\n<li><strong>Lifestyle<\/strong>: Is jumping out of airplanes your favorite hobby? That might cost you when it comes to your premium. Insurers save their best pricing for people who live mainly safe lives.<\/li>\n<li><strong>Family Medical History:<\/strong> Your family medical history can play a part in your costs. Those whose relatives lived to a ripe old age will likely get a lower cost than those whose relatives died younger of cancer or some other disease.<\/li>\n<\/ul>\n<p>Keep in mind you won\u2019t be automatically excluded from purchasing a policy just because you once smoked or you have a chronic disease such as diabetes. You may just pay more.<\/p>\n    <\/div>\n    \n\n        <div class=\"o-component c-quote-callout\"  id=\"general-quote-callout-block_45a44ac3de576d48852ae0610a5742e3\"\n            >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/06\/QuickQuote-Desktop-09.svg 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/06\/QuickQuote-Desktop-09@2x.svg\">\n                                                    <img decoding=\"async\" loading=\"lazy\" class=\"c-quote-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/06\/QuickQuote-Mobile-09.svg\"\n                    alt=\"\" aria-hidden=\"true\"\n                    srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/06\/QuickQuote-Mobile-09@2x.svg 2x\"\n                    width=\"320\" height=\"192\">\n                            <\/picture>\n            <div class=\"c-quote-callout__content\">\n                <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote? <\/h2>\n                <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"HE\" >\n                                Health Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                                Motorcycle Insurance<\/option>\n                                                                                    <option value=\"MRH\" >\n                                Motorhome and RV Insurance<\/option>\n                                                                                    <option value=\"MH\" >\n                                Mobile Home Insurance<\/option>\n                                                                                    <option value=\"PET\" >\n                                Pet Insurance<\/option>\n                                                                                    <option value=\"R\" >\n                                Renters Insurance<\/option>\n                                                                                    <option value=\"RA\" >\n                                Roadside Assistance<\/option>\n                                                                                    <option value=\"SM\" >\n                                Snowmobile Insurance<\/option>\n                                                                                    <option value=\"AC\" >\n                                Classic Car Insurance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\n                        <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\"\n                            id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\"\n                            maxlength=\"5\" minlength=\"3\">\n                    <\/div>\n                    <div class=\"c-quote-callout-form__controls\">\n                        <button class=\"c-button c-button--orange c-quote-callout-form__submit\"\n                            type=\"submit\">Start My Quote                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/components\/inputs\/loading.svg\"\n                                alt=\"Loading\" width=\"30\" height=\"30\">\n                        <\/button>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n        \n\n<!-- id=\"general_text-block_9c3ea20200e69a02f823ad5374a1b583\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Most Popular Types of Life Insurance<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>As mentioned, there are different types of insurance with <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/what-are-the-benefits-of-life-insurance\/\">different benefits<\/a>. From birth to death and all points in between, building a fortress around those you love is the highest gift you can leave behind. Let\u2019s examine the two most popular options.<\/p>\n<h3>Term Life Insurance<\/h3>\n<p>This basic insurance lasts for a set number of years and you can choose how long it lasts. For example, many main breadwinners may choose to purchase term through their children\u2019s growth and education years. If you and your spouse have purchased a home together and started a family, term will be a literal lifesaver when it comes to allowing your family to maintain their lifestyle and stay in their home.<\/p>\n<h3>Whole Life Insurance<\/h3>\n<p>A whole policy lasts the length of your life, as long as your premiums are paid. These policies have several additional benefits over term, including the ability to borrow money from them, as well as having a cash out at the end for your designated beneficiaries.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_dd6fad288f9ac1bf5ed0a7dde0c16ab0\" -->\n            <h2 class=\"c-section__title c-section__title--left\">What is the Difference Between Term and Whole Life?<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Whole life offers several benefits you won\u2019t get with term or other types, including tax advantages, guaranteed cash value, dividends and predictable premiums. It\u2019s more expensive than term insurance. It has less flexibility than some other types and comes with potential penalties.<\/p>\n<p>Term life offers protection for a set number of years so you\u2019ll have peace of mind knowing the people you care about will be taken care of if the unthinkable happens. It\u2019s also cheaper than whole life. It\u2019s only for the exact number of years you choose. After that, it goes away and there is no payout.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-2.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-2@2x.webp 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-2-1.webp\" alt=\"Beautiful family having fun running outdoors and smiling.\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-2@2x-1.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_a77c45b3352aaf0dd8ed3587ef3001ef\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Other Types of Life Insurance Coverage<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>After term and whole, there are even more subcategories of insurance your broker may recommend. Depending on your goals with your policy, one of these may work better for you.<\/p>\n<h3>Short-Term Life Insurance<\/h3>\n<p>This type of policy typically lasts for one year. Some of the reasons you may choose to carry a short-term policy include changing jobs where your new employment benefits, such as health care and death benefits, will not kick in for a while.<\/p>\n<h3>Universal Life Insurance<\/h3>\n<p>Universal offers more bang for your buck in that your death benefit and ability to grow value are not guaranteed, leading to a lower premium. Your lower payment will provide a policy that is flexible and tax-free. There are no guarantees, however, on the amount available upon your death. The policy amount is based on investment performance.<\/p>\n<h3>Final Expenses Life Insurance<\/h3>\n<p>This policy, also known as burial insurance, pays for funeral expenses and other end-of-life expenses, such as medical or legal bills. The advantage is this policy is much cheaper than a whole life policy since it is intended to pay for costs associated with death, not as a financial boost for dependents or beneficiaries. However, this is a great option for those who do not want to leave their loved ones burdened with last costs and a funeral.<\/p>\n<h3>Permanent Life Insurance<\/h3>\n<p>Permanent encompasses several different subcategories of insurance, including whole. Permanent builds cash value, may be borrowed against and pays out your full policy amount when you die, as long as you premiums are up to date and any loans have been paid back.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.acceptanceinsurance.com\/insurance-glossary\/\" class=\"o-component c-icon-callout c-icon-callout--blue\" id=\"product-callout-block_7326d7ac84685b7939f8737292efe509\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-glossary.svg\" alt=\"\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Car Insurance Glossary<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Lean more about terms and definitions that are commonly used in insurance.<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n<!-- id=\"general_text-block_c6edfa55acb32aa858bc1165ce0de0c8\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Step-by-Step Guide to Buying Life Insurance<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Just as with any major purchase, getting a life insurance quote comes with some thought and consideration. You want your family to be protected, but you also want to make sure you are paying a fair price for that protection. It\u2019s always best to compare prices across different carriers to find the best option for you. At Acceptance, we can do that for you. Here are some other steps for finding the right plan for you:<\/p>\n<h3>Simplified Application Process<\/h3>\n<ol>\n<li>Decide if you want term, whole or some other form and how much you need. If you decide on term, may experts advise purchasing 10 times your current income.<\/li>\n<li>Either research quotes on your own or have an Acceptance independent agent who is not tied to one carrier to do that for you. Comparing quotes is the best way to save money.<\/li>\n<li>You\u2019ll be asked to provide personal information, as well as health and medical facts.<\/li>\n<li>The next step is usually a phone interview. This will include going over the answers you provided on your application, as well as any additional information the agency needs.<\/li>\n<li>Schedule a health exam, if required. In some cases, you may not be required to get a medical exam.<\/li>\n<\/ol>\n<p>After these steps, you\u2019ll wait for the insurer to notify you if your policy has been approved or if more steps are needed.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-3.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-3@2x.webp 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-3-1.webp\" alt=\"Multiage male family members looking to camera, family demography statistics\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-3@2x-1.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_2ddb9ee46d196d3c8a39bd85b02d09ab\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Tailored Insurance Solutions for Every Life Stage<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>As the old saying goes, the best time to <a href=\"https:\/\/www.acceptanceinsurance.com\/blog\/when-should-you-get-life-insurance\/\">buy life insurance is as soon as possible<\/a>. There are good reasons behind most old sayings and this one is no different. The younger you are, the cheaper the life insurance. Let\u2019s look at a few of life\u2019s stages and why these are all good times to consider insurance.<\/p>\n<h3>In Your 20\u2019s<\/h3>\n<p>You are not dependent on your parents anymore. You\u2019ve graduated and are in the career path of your choosing. Purchasing a whole life insurance plan at this point means getting the absolute cheapest insurance rates possible and you\u2019ll be building up a strong cache of resources you can use throughout your life.<\/p>\n<h3>When You Get Married<\/h3>\n<p>A couple starting their lives together can provide support for each other by purchasing a term or whole policy \u2013 or both. The partner with the largest income should consider a term policy for the length of a mortgage or the raising of potential children. The other partner, if working, can begin investing in a whole policy.<\/p>\n<h3>Purchasing a Home<\/h3>\n<p>For many, the largest investment is their home purchase. Nobody wants to leave a partner in the position of possibly losing that home is one income is suddenly gone. A term policy will help a surviving partner maintain their lifestyle, plus handle sudden expenses, such as a funeral.<\/p>\n<h3>Having a Baby<\/h3>\n<p>Once you\u2019ve started a family, you\u2019ll want to consider, at the very least, a term life policy to help with the costs of raising a child \u2013 and possibly even getting them through college. Along with a mortgage, the costs of having a baby and bringing them up will be among the largest of your life\u2019s expenses. Although your children are priceless, studies point to the <a href=\"https:\/\/wtop.com\/news\/2024\/05\/how-much-does-it-cost-to-raise-a-child-4\/\" target=\"_blank\" rel=\"noopener\">costs of raising a child in 2024 at about $300,000<\/a> (and that\u2019s without college).<\/p>\n<p>Your friendly, neighborhood Acceptance agents are parents and homeowners, too. They\u2019ll listen to what you want to protect, as well as how much you want to spend and come up with life insurance options specific to your situation.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-4.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-4@2x.webp 2x\">\n            <img decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-4-1.webp\" alt=\"Multi-generation family portrait, affordable life insurance.\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/08\/Acceptance-Affordable-life-insurance-4@2x-1.webp 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n\n<div class=\"o-wrapper o-wrapper--small\" id=\"carrer-get-callout-block_d1c9573e3ab95b4a6f73424cc660c1b8\">\n        <div class=\"c-get-callout\">\n                            <h2 class=\"c-section__title c-section__title--blue\">Get Cheap Life Insurance Today<\/h2>\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\n                    <p>Purchasing life insurance is a great way to make sure your loved ones are taken care of after you are gone. It\u2019s not a decisions that should be made lightly, so be sure and reach out to the professionals at Acceptance Insurance. With many different types of life insurance to choose from, deciding which one is right for you is best approached with someone you can trust who understands all the ins and outs..<\/p>\n<p>Life is hard enough, so at Acceptance, we do our best to keep things simple. Getting a quote for life insurance is easy. Simply go to our website for a fast and free <a href=\"#modal-turbo\">online quote<\/a>, give us a call at <a href=\"tel:877-405-7102\">877-405-7102<\/a> or stop by one of our neighborhood <a href=\"https:\/\/locations.acceptanceinsurance.com\/\">locations<\/a>.<\/p>\n                    \n                <\/div>\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625600.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Quote Online<\/div>\n                                <\/button>\n                            <\/li>\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"tel:1-877-405-7102\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625601.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Over the Phone<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.acceptanceinsurance.com\/\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625603.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Visit Our Offices<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                    <\/ul>\n                                    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":946,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1474"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=1474"}],"version-history":[{"count":95,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1474\/revisions"}],"predecessor-version":[{"id":9306,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/1474\/revisions\/9306"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/946"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=1474"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}