Whole life insurance may be what you want over term life insurance because it can pay a death benefit whenever you die instead of only for a set term. Shopping for a quote doesn't have to be hard, especially in this day and age. Here's why.

Whole life insurance is also known as permanent life insurance, and not only does it provide a death benefit but it can be a savings vehicle as well. You pay a premium and, over time, your policy begins to accumulate cash value. Depending on the policy, you can receive dividends or cash if you end the policy after a certain amount of time.

There are different types of permanent life insurance such as whole, universal and variable. The differences have to do with how much you can adjust your death benefit as you age, or how your premium is invested to provide you a return. Straight whole life insurance is typically a set payment you make for the rest of the policy life.

Because of these added benefits over term life insurance, premiums for permanent life insurance are higher -- especially the first few years of the policy. But that doesn't mean you can't save. The best way to save is to get comparison quotes from different companies. And one of the easiest ways to do this is online. There are two ways to do this.

1) Visit several different life insurance company Web sites and fill out a quote.

2) Visit a Web site that offers comparison quotes. The advantage of these sites is that you typically only have to enter your information once. Then you can get quotes from different companies or agents.

Once you get your quotes, you can compare the benefits of the different policies against each other as well. This could help you decide overall which quote to go with. Choose companies that are financially stable and always ask questions if you're not sure about the coverages and cash value options of a policy.

To get free comparison whole life insurance quotes or learn more about whole life insurance visit LowerYourInsurance.com. Scott Lunt is a freelance writer.

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