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For many of us, the idea of life insurance is a daunting mystery, and we may become a little intimidated by the multitude of choices available to us. The simplest of all policies, which may meet your needs perfectly, is term life insurance. Like the name suggests, this policy covers the policy holder for a term of so many years. The most common terms are one, five, ten, fifteen, twenty, and thirty years. The policy is set to pay a specific amount to the beneficiary (or beneficiaries) should the holder die during the term of the policy. The most appealing features of this type of policy are the lower premiums and higher benefits.
Determining the dollar amount of coverage that you need when you look to buy term life insurance. You should have enough insurance to meet your needs. The goal is to provide enough money for your beneficiary to maintain the current lifestyle.
Consider having enough term life insurance coverage to replace 5 to 7 years of your annual income.
If you have a high amount of debt, or if you have children that are still young, you should consider having enough coverage to replace 10 years of your annual income.

The easiest and fastest way to compare life insurance companies and their rates is by getting free life insurance price quotes online. All you have to do is fill in some basic information about you and you will receive a list of life insurance quotes from the best insurance companies. This is completely free for you and doesn't take much of your valuable time and it is the only way for you to find the best and most affordable life insurance provider.
Below is a list of the best companies to give you FREE quotes for you to look over in the comfort of your home. Take your time and get quotes from as many as you like. They are FREE with no oligation.

Gerber Life Insurance- Children's Life Insurance
Since 1967, Gerber Life Insurance Company has provided quality life insurance, especially for young families on a limited budget. As an affiliate of the Gerber Products Company, “the baby food people,” the two companies share a common goal: to help parents raise happy, healthy children.
By providing affordable, industry-leading juvenile life insurance and other financial products, they strive to give their customers the comfort and peace of mind they deserve.

Free Child Safety ID Kit when You Apply!
Quote Guardian Quote Guardian exists to provide everyday clients, friends and family the very best solution to shop for insurance quotes, get multiple insurance quotes from multiple insurance carriers and then decide which insurance and coverage is best for you… all from the convenience of your home and often within 24 hours of the request for your insurance quote.