Compare Top Life Insurance Companies
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Haven Life
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Fabric
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Ladder
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Policygenius
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Best rates all in one place! |
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Location
Serves residents in
Boise, ID
(855) 695-2255
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Associated Insurance Services
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Location
3380 Elder St.
Boise, ID 83705
(208) 336-7733
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Three Rivers Insurance
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Location
10159 W. Overland Rd.
Boise, ID 83709
(208) 322-2445
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New York Life
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Location
1109 W. Myrtle St., Ste. 300
Boise, ID 83702
(208) 338-6355
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Fredriksen Health Insurance
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Location
5240 W. Fairview Ave.
Boise, ID 83706
(208) 375-0009
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Idaho Farm Bureau Insurance
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Location
1250 S. Allante Ave.
Boise, ID 83709
(208) 375-3411
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American Income Life Insurance Company
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Location
225 N. 16th St., Ste. 202
Boise, ID 83702
(208) 344-3774
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Allstate Insurance
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Location
3175 N. Cole Rd.
Boise, ID 83704
(208) 323-8282
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American Family Insurance
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Location
2316 N. Cole Rd., Ste. E
Boise, ID 83704
(208) 321-8492
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How to choose life insurance in Boise
Life insurance is a way to make sure your family is cared for in the case of your untimely death. Life insurance benefits are used to replace income, repay outstanding debt, pay off a mortgage or cover the cost of funeral services. If you have children, the benefits can also be used as an inheritance or to pay for education costs.
Life insurance policies have multiple benefits, including:
- Death benefits when a policyholder passes away
- Loan options on some types of life insurance policies
- Assured income for your beneficiaries
- Increased coverage with riders
- Favorable tax treatment
Types of life insurance in Boise
There are many types of life insurance policies in Boise, but most fall into these two categories:
- Term life insurance provides coverage for a predetermined amount of time, usually from 10 to 30 years. Term life insurance policies cost less but do not hold cash value and only pay out if the insured dies within the term.
- Whole life policies don't expire as long as you continue paying the premium and are more expensive than term life policies. Whole life policies give a guaranteed return on investment and accumulate a cash value over time that can be withdrawn by the policyholder.
Other types of policies available in Boise include universal life insurance, which has both a death benefit and cash value component, and burial insurance, which provides a smaller death benefit intended to cover burial costs and generally does not require a medical examination.
Finding a reputable life insurance provider in Boise
When selecting a life insurance provider in Boise, it’s important to find one that is reliable and financially stable. Because of the importance and value of life insurance policy, it’s crucial the provider can pay the death benefit claim. Companies such as MetLife, Prudential Financial, State Farm and New York Life Insurance Group have a long history of excellent customer service.
Your chosen life insurance provider will use many factors to decide your premium, including:
- Your health
- Your medical history
- Nicotine and alcohol use
- Whether you work in a hazardous profession
- Hobbies
- Type of insurance
- Amount of benefit
By working with a reliable life insurance provider and choosing the right policy for your situation, you can ensure your family is taken care of financially under any circumstances.
Life Insurance Reviews
Haven Life |
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Haven Life is a life insurance provider that issues term life insurance. Its most common policy, Haven Term, offers coverage from $100,000 to $3 million with terms between 10 and 30 years. This policy requires a medical exam, though. Its alternative policy, Haven Simple, does not require a medical exam and offers up to $500,000 in coverage over terms between 5 and 15 years. At the time of publishing, the company’s prices start at $14.99 per month. |
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Fabric |
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Fabric is an insurance provider that offers term life insurance with maximum coverage of $5 million and term up to 20 years. You can fill out an application online, buy buy you may need a medical exam. Through the company’s app, you can give your beneficiaries online access so that, if they need to make a claim, they can do so from their own accounts. At the time of publishing, Fabric’s policies start at $14 per month and must be paid with recurring credit or debit charges. |
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Ladder |
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Ladder is an insurance provider that provides term life insurance. You can apply online for policies of up to 30 years and $8 million. Beneficiaries can email the company to notify it of the loss and file a claim. Ladder’s policies start at $35 per month and can be paid by credit card, debit card or bank transfer. |
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Policygenius |
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Policygenius has a straightforward and easy-to-use website where customers can compare and buy life insurance. The company has a team of insurance experts to guide you through the application process and help you select the best type of life insurance for your situation. Customers in Boise recommend the company for its easy application process. |
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Associated Insurance Services |
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Associated Insurance Services is a local company that has been providing life insurance policies to Boise residents since 2005. They offer a complete line of policies that meet specific budgeting needs and partner with several top-rated insurance companies. Local customers say they appreciate the prompt and attentive customer service. |
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Three Rivers Insurance |
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Three Rivers Insurance Inc. has five separate locations in the Treasure Valley and offers a wide range of insurance policies. The company provides one-on-one assistance and believes in building long-term relationships with its customers. Boise customers appreciate the time the company’s agents spend explaining the available options. |
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