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"We are personally committed to making it a part of our lifes work to never have to see a family hold a car wash to keep a roof over a their family's head or meet their dailiy needs after the loss of a loved one"
Kevin Peterson - Owner of 911LifeQuote
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"I was looking for immediate coverage without a medical exam and 911lifequote was able to provide that to me within a 48 hour period."
Jake M., Columbus, OH
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"We are personally committed to making it a part of our lifes work to never have to see a family hold a car wash to keep a roof over a their family's head or meet their dailiy needs after the loss of a loved one"

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About 911 Life Quote

WHO WE ARE

COMMITED TO SERVE

911Lifequote is a family owned business with over 15 years of industry knowledge working specifically with families of public servants. We are here to serve you and make sure that you understand the kind of life insurance coverage you do have and what you may or may not need to support your family.

OUR MISSION

At 911Lifequote our goal is to provide you with most comprehensive and affordable life insurance to fit your family’s needs and budget. We search thousands of highly rated national carriers to make sure the products we recommend work specifically for you.

Life Insurance 101

Don’t confuse your investment plan with your financial plan. Any good adviser will tell you that having the proper life insurance is part of a wise financial plan. Life insurance is a major and unique planning tool in business continuation, and estate planning because it does three things that no other planning tool can do as well.

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LEVERAGE

Life insurance significantly leverages a person’s wealth, or business’ bottom line. A small premium payment can generate a vastly disproportionate amount of highly tax-favored income-generating capital.

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Liquidity

Life insurance can guarantee that when taxes, debts, and other demands for income occur (at the loss of a loved one), the needed cash will be available at the time when it is needed most.

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Wealth Replacement

Life insurance is the perfect wealth replacement vehicle. For example, a person knowing that he/she can assure the financial security of a loved one, may feel more secure in taking greater financial risks in return for greater financial rewards, or comfortable about using more of his/her wealth for current needs and desires.

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Customer Testimonials

Customers reviews

"Owner Kevin Peterson worked directly with us from the beginning to the end of the underwriting process. He kept us well informed and found real solutions to our family life insurance needs and budget. I highly recommend!"
Brandon M
Paramedic Mesa, AZ
"911 Life Quote was able to provide me with peace of mind regarding life insurance. I was contacted promptly and given all the information I needed to make an educated decision on the right life insurance for my family."
Daniel H
Firefighter - Gilbert, AZ
"I did not realize how underinsured my family really was until after contacting 911LifeQuote. The process of obtaining the life insurance I needed for my family was simple and surprisingly affordable"
Joe F
Firefighter - Gilbert, AZ

Frequently Asked Questions

Most frequent questions and answers

Won’t my family just be taken care of if I die prematurely?

Unfortunately, no. For some reason there is a myth out there in the public service field that because someone works as a police officer, fire fighter or other emergency service professional that for some reason their family will be taken care of should their family suffer the loss of a premature death. That simply is not the case. The only life insurance that anyone receives is the benefit provided from their employer or the life insurance that is purchased on an individual basis.

How much is it going to cost?

That depends on many factors such as current health, family health history and many other lifestyle factors.

Do I have to take a medical exam?

If you want the best rate, then Yes. The age of the applicant and the amount being applied for will determine the medical requirements. Typically it will consist of a blood and urine sample and a simple medical history questionnaire.  911lifequote also offers non-medical policies through Mutual of Omaha and Transamerica Life Insurance Company.  Call us at 480-442-6709 for a quote or complete the quote request form on our site and indicate in the comments that you’d life non-med quotes.

How much life insurance should my family have?

A good rule of thumb is 10-15 times your annual income. That number is also offset by other factors like current investments and what your family is looking for in protection. Some families want to have income replacement for a spouse to last an exact amount of years, some families want to be able to pay off an existing mortgage, or do both. It really depends on what’s important to you and your family. 911LifeQuotes agents and owner will help you determine what is appropriate for you particular needs.

How much is enough for my family?

Can I get life insurance if I use tobacco? Yes, but you have to pay to play. We all know that tobacco usage decreases life expectancy and since insurance companies base their premium rates on life expectancy tables, you can be sure that if you are a tobacco user the rate is going to be higher. How high depends of the type of tobacco usage and frequency of usage. Use use the Family Planning Calculator.

Will my policy accumulate cash value?

  See Life Insurance 101 at the top of the page. A short answer is if you have term insurance, no. If you purchase permanent coverage, yes (whole life or universal life)

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If I purchase term insurance can I get a refund of my premiums at the end of the term?

There are Return of Premium (ROP) term insurance products that offer return of premiums on 15, 20 and 30 year policies. The premiums are usually about 3x the amount for a ROP term policy vs. a traditional term contract. However, if the insured outlives the term period all premiums paid until the end of the contract are refunded.

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