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You may have decided that life insurance (assurance) is the best way to protect your family's future. I need life insurance quote online But getting the lowest possible insurance premium, taking into account the right length of term and benefit amount, is not an easy process. I need life insurance quote online Premiums with life insurance quotes can vary enormously in some instances so it is worth shopping around. I need life insurance quote online Do I take term or whole life insurance cover? There are two basic options when shopping for life insurance which is a term or permanent policy with term life covering you for a specific period and permanent covering you for the whole of your life. I need life insurance quote online If you have short-term financial obligations such as a child's education then term life insurance is usually more than ample and can offer good coverage for the least amount of money. I need life insurance quote online But if you want to create an inheritance and protect your family's future for a much longer period then a whole life insurance plan is the best option. I need life insurance quote online Not all term insurance policies are the same Although all term insurance policies cover you for a certain amount of time there are different kinds. I need life insurance quote online Flat-rate (or level) cover - The amount of insurance cover is fixed at the time you take the policy out