Why do you need life insurance? Most people die with some financial obligations, such as the ongoing income needs of their family, mortgage payments, or funding future college expenses. While there are other financial tools, life insurance is the only instrument that can provide instant cash at death.

Life insurance takes a relatively small amount of your money and creates capital that will be available at the exact instant that it is needed and in the exact amount desired.

How much life insurance do you need? Many financial planners suggest amounts ranging from 3 to 5 times your gross annual income. But the right amount is really based on your individual needs. You have the right amount of insurance if after being honest about obligations to your family and others, that you will be able to sleep comfortably tonight.

This is a request for a Minnesota Life insurance quote, not a policy application. Submitting this form does not obligate you to purchase any life insurance products. Please complete this form as accurately as possible. Life insurance rates are subject to change.

Term Life Insurance
Term life insurance is the lowest premium life insurance product available. When you buy term insurance, you are purchasing 'pure' life insurance protection. There is no cash value or savings feature. Term insurance, as the name implies, is typically purchased for a particular 'term' or length of time.

Level Term Life Insurance
Level Term Life Insurance is where the death benefit stays level and the premiums stay level either for a 1 year, 5 year, 10 year, 15 year, 20 year or 30 year term.

Mortgage Decreasing Term Life Insurance
Mortgage Decreasing Term Life Insurance is where the death benefit decreases yearly by approximately the amount you pay off your principal and the premiums stay level either for a 10 year, 15 year, 20 year, 25 year or 30 year term.