For a quick term life insurance quote from all the major carriers click the "GO" button above.  Please remember to print the quote so you can review it with your licensed Summit Consultant. For information about other life insurance products, disability or annuities please click on the life quote form below.

How much life insurance do you and your family need?  Life insurance can help provide funds to meet your family's immediate and ongoing needs in the event of either spouse's premature death.  Do you have enough?  How much has your life changed since getting life insurance?  We can help if you are looking for life insurance for the first time or would like a professional review of your current policy.

Did you know that we can provide you with a performance evaluation of your current life insurance policy at no cost?  When was your last LIFE review? Click the link below if you would like more information.

Click here for the Life Insurance Quote Form.

Commonly used life insurance-related terms

Term Life Insurance- An economical type of life insurance; provides death benefit coverage and premium payments are guaranteed to remain level for a specific period of time.  Term life insurance can help your family pay for necessary expenses if you die unexpectedly.  The death benefit can help your family maintain their lifestyle, cover your children's college tuition and pay off a mortgage.

Universal Life Insurance- A flexible type of life insurance policy; provides both a death benefit and has the potential to accumulate cash value.  The policyholder has the right to borrow or withdraw from any available cash surrender value.  With universal life insurance, you can accumulate cash value that grows tax deferred and can be taken as loans or withdrawels.  In some instances, the death benefit can include this cash value in addition to the policy's amount of insurance.  It also, within certain limitations, lets you adjust your coverage, and how much your premium you pay to suit your changing needs.

Premium- Payment you make on a regular basis, typically monthly or yearly, for a life insurance policy.  Like most insurance, life insurance premiums may vary based on factors such as the age, health, occupation and hobbies of the insured.

Group Life Insurance- Life insurance that individuals have access to as a result of being a member of a larger group- typically obtained through their employer as part of an overall benefits package.  Coverage usually lasts only while the individual is working for that employer.