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Frequently Asked Questions

If you have people who depend on your financial contributions, you need life insurance. This is especially true if you’re a parent. Whether you work or stay at home to care for the kids, you’re making valuable contributions to your household. Those contributions should be insured. If anything happened to you, how would your family cope financially? Would they struggle to pay bills and put food on the table? Would your spouse have to quit work to take care of the kids? Life insurance provides your loved ones with the resources they need to maintain their standard of living.

If you’re not a parent, there are still plenty of reasons you may need life insurance. Do you have outstanding debt that your parents or spouse can’t afford to pay? If so, you need coverage. Do you own a business? If so, you need coverage. Do you want a family later in life? If so, you should get covered while you’re young and healthy. Life insurance will never be more affordable for you than it is than right now.
Life insurance is a financial tool that protects your family’s future. If something happens to you, your policy will give your family the money they need to stay in their home and keep food on the table. You can choose a term policy that covers you for a particular length, seeing you through your major financial responsibilities – until the kids go to college or until the mortgage is paid off, for example. You can also choose a lifetime policy that builds cash value you can access later in life. There are also ways we can set up your policy so that it helps you pay for things like long-term care or a disability.

Many of our clients also use life insurance as a part of their financial portfolio. Permanent (lifelong) policies build cash value over time, which may be a good way to supplement your retirement fund. That cash is yours to use for whatever you like—pay off your mortgage, send a child to college, start a business, go on a dream vacation…the possibilities are endless. All it takes is a little bit of smart planning now!
Don’t wait to protect the ones you love. You can learn about the different types of life insurance right here, or you can contact us for help. Let’s talk about your financial goals and your unique situation. Together, we can design a financial plan that provides security for your family, your business, and your retirement.

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For over 40 years, our company has helped half a million American families protect their future with life insurance. We provide fast, free quotes for life, disability, long-term care insurance, and more.

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R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.

Save up to 70%: Comparison of each carrier’s best published rates for a 10-year level term policy, 30-year-old non-smoking female. Your actual term life insurance premium can only be determined by a full application and the carrier's underwriting process, which may include some medical testing at their expense. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all carrier policies are available at all durations for all ages in all states. By providing your phone number and the name of your wireless carrier, you agree to's privacy policy and terms of use. You also agree to receive communication from us at the phone number(s) you provide. Our communication with you may include autodialed or pre-recorded calls, emails, and SMS or MMS messages. You may opt out at any time. You may also call us directly at (800) 823-4852.