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Get a Life Insurance Quote

Looking for coverage for yourself, a family member or your employees? Whether you are just curious or know exactly what you want, USAlliance is here to answer all of your questions. We’ll provide fast and easy-to-understand quotes designed for you!

Support

1-866-953-4675

service@usalliancelife.com

Life Insurance Frequently Asked Questions

What is life insurance?

An easy, affordable, and dependable way to help financially protect the people you love. You make payments to USAlliance and if you were to pass away, your loved ones would receive a lump sum payment from USAlliance for the face amount of your policy.

How much life insurance can I get?

We offer policies to fit your specific needs. Whether it is $10,000 of coverage or over $10,000,000, you get what you need to protect your family.

Do I need life insurance?

Having someone depend on you for income, getting married, having a baby, or having debt are just a few reasons you may need life insurance. Even if you are single, you can lock in low rates now while you advance through your life’s journey. One never knows when a health condition might arise that will make your rate skyrocket or be classified as uninsurable. This means you will not be able to get life insurance coverage at any price.

How much coverage do I need?

You certainly want enough to pay off any debts you have, such as a mortgage, and have enough so your loved ones can maintain their lifestyle.

If I already have coverage though work, can I get additional coverage?

You can still get additional coverage with USAlliance. It is smart to have your own policy.

How long does it take to get approved for life insurance?

The application process is very simple and only takes a few minutes to complete. Once submitted, if no medical exam is required, an application is processed and completed within a few days. If a medical exam is required, an application typically is approved a few days after you complete the medical exam.

What happens after I apply for life insurance?

Our team of underwriters reviews the application and evaluates your information. If a medical exam is needed, we will work with you to get it scheduled.

Do I need a medical exam to get life insurance?

No! We are able to offer life insurance without a medical exam up to $250,000. For higher coverages, a medical exam will be required.

Do I have to pay for the medical exam?

No, we cover the costs of the medical exam.

Are life insurance death benefits taxed?

Generally, life insurance benefits are not taxed under current law.

I prefer to meet in person when making financial decisions. Is that something you offer?

Absolutely! We will meet with you in person at your home, business, or a place of your choosing. You can give us a call at 1-866-953-4675 or email us at service@usalliancelife.com to set an appointment.