About EQUOTE Life Insurance Services

Since 1998, EQUOTE has been providing our valued customers with the lowest cost affordable term life insurance products, including no medical and term life insurance from our California offices located in San Diego. We offer term life insurance quotes online, rates, and information with simple, straight talk. Now EQUOTE Life Insurance has added Annuities and Long Term Care Insurance plans to offer you more and better options to protect yourself and your family. After all, that is what insurance is for: Protection for yourself and your family.

Terms of Life Insurance
Term Life Insurance is the most popular type of life insurance today. As the name implies, term life is designed for a specific term (length of time). You buy a term life policy to provide coverage for a guaranteed number of years: 10, 15, 20, 25 or 30 years.  is also available. Some companies even offer a return of premium option on their policies. This allows you to receive 100% of the premiums you've paid into the insurance plan.

Universial Life insurance

One of the most misunderstood types of life insurance is Universal Life. Today's life insurance plans offer long term guarantees such as 20, 30, 40 years or even up to age 120! The face value amount of the life insurance policy is guaranteed to remain level and so is the premium for the period of time you select for coverage.


Trems Life of Universla Life Insurance

The biggest question facing many insurance buyers today is,
"Which type of insurance do I need, Term Insurance or Universal Life Insurance?" The real question should be, "What is Term Life Insurance and how does it differ from Universal Life?" Most people really don't understand these two types of life insurance. And admittedly, it is confusing. We can walk you through the different types of life insurance, and direct you to an online form where you can get instant No Medical term life isnurance quotes/rates and apply online.

Keep Person Term Life Insurance

Quite a few companies today are taking term life policies out on their key employees. Finding and keeping valuable employees is getting tougher these days. Affordable instant Term Life Insurance quotes/rates are available online or contact us for No Medical Term Life Insurance, which only requires you to answer a few health questions, in California or any other type of life insurance for the most affordable quotes/rates.

General Insurance

Most companies require general liability coverage before they do business with other companies. EQUOTE is familiar with all types of business insurance and can help you decide what amount of coverage is standard for your line of work-- a good rule of thumb is to find out what amount of coverage your clients require and to try to purchase at least that amount.