105+ 'Schitt's Creek' Quotes To Make You Feel Part Of The Rose Family
Compare Life Insurance Quotes Online
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Katherine MurbachKatherine MurbachEditor & Licensed Life Insurance AgentKatherine Murbach is a life insurance and annuities editor, licensed life insurance agent, and former sales associate at Policygenius. Previously, she wrote about life and disability insurance for 1752 Financial, and advised over 1,500 clients on their life insurance policies as a sales associate.&Antonio Ruiz-CamachoAntonio Ruiz-CamachoAssociate Content DirectorAntonio helps lead our life insurance and disability insurance editorial team at Policygenius. Previously, he was a senior director of content at Bankrate and CreditCards.Com, as well as a principal writer covering personal finance at CNET.Edited by
Adam MorganAdam MorganEditorial DirectorAdam Morgan is an editorial director at Policygenius who leads the life insurance and annuities team. Previously, he led editorial teams matrixed across multiple financial publications at Red Ventures — including Bankrate, NextAdvisor, Million Mile Secrets, and others. As a journalist, his work has appeared in Esquire, Scientific American, The Guardian, Los Angeles Times, and elsewhere.Reviewed by
Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.PublishedJune 20, 2024
Comparing quotes from multiple life insurance companies is the best way to find the most affordable policy that meets your needs. Due to federal regulations, no company, broker, or agent can offer you a discount on life insurance — but since each insurer calculates risk differently, the cost you pay will be cheaper with some companies and more expensive with others.
What is a life insurance quote?
Life insurance is the best way to provide a financial safety net for your loved ones in the event of your death. After signing a contract, you make regular payments to an insurance company. In exchange, the insurance company will pay a tax-free sum of money to your loved ones if you die while your policy is active.
A life insurance quote is an estimate of how much you'll pay for a policy based on your age, income, health history, and other factors. Every insurance company calculates quotes differently, so cost estimates can vary widely across insurers.
How to compare life insurance quotes 1. Decide where to get life insurance quotesYou can choose between three options for comparing quotes.
Online marketplaces like Policygenius let you compare life insurance quotes from multiple companies, find the most affordable option that meets your coverage needs, and purchase a policy for no extra charge.
Independent agents or brokers will usually let you compare quotes from any of the insurance companies they represent, though they may also charge a fee for their services.
Captive agents only work for a single insurance company. If you want to compare quotes from multiple insurance companies, you'll have to reach out to a captive agent at each individual company, which can be time-consuming.
If you prefer purchasing life insurance in-person, a local independent agent or broker is could be a great fit. But if you're comfortable comparing quotes online and speaking with a licensed agent over the phone, we recommend getting life insurance quotes through our online marketplace at Policygenius since it's faster, easier, and often more affordable.
You could save 50% or more by shopping for life insurance with Policygenius
After providing us with a few details like your age and income, you can compare life insurance quotes from some of the top insurers. You can do so online or by calling us at 1-800-608-2192 to connect with a Policygenius agent and find the best policy for your needs.
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2. Consider what type of life insurance you needThe best type of life insurance for you depends on your age, your budget, your insurance goals and needs, and many other factors.
The two main types of life insurance are term and permanent. Term life insurance covers you for a set period of time — usually between 10 and 30 years. Permanent life insurance can cover you for your entire life, and some of these products can come with a cash value savings component, which can grow tax-deferred over time.
Many people purchase both term and permanent policies: a term policy to cover the most expensive years of their lives, plus a smaller permanent policy for lifelong coverage and additional benefits. In fact, some insurers now offer hybrid policies that combine certain benefits of term and permanent life insurance together into a single product.
At Policygenius, our agents can help you compare policy types and apply for the right coverage at a price that works for you.
3. Determine how much life insurance you needOne easy rule of thumb is that your life insurance plan should include coverage that's roughly 10 to 15 times your annual income. For example, if you make $100,000 per year, you'll likely need around $1 million to $1.5 million in life insurance coverage.
Our life insurance calculator can help you estimate how much money your family would need to replace the loss of your income and meet their future goals.
When comparing life insurance quotes, consider all the expenses your family has now and will have in the future, such as:
Your life insurance policy amount should cover them all, so your loved ones won't struggle financially in your absence.
How to find the best life insurance company when you're comparing quotesOur independent, unbiased ratings and reviews of the best life insurance companies will help you find a great life insurance policy with confidence. The right life insurance company for you will depend on factors like your age, health, and financial needs.
You can also explore our reviews of more than 30 life insurance companies so that you'll know more about each insurer when you're getting quotes in our marketplace.
How much will your life insurance cost?In general, the younger and healthier you are, the cheaper your life insurance will be. A healthy 30-year-old who doesn't smoke pays $26 per month on average for a 20-year term life policy with a $500,000 payout. The same person could expect to pay around $450 per month for a whole life policy with an identical payout.
Learn more about life insurance rates
What factors affect life insurance quotes and rates?Age: The younger you are, the lower your premium payments will be. Life insurance rates typically go up 4.5% to 9% every year you age, since we all become riskier to insure as we grow older.
Gender: Women pay an average of 24% less for life insurance than men. Since women often live longer than men, covering women presents less risk to an insurance company.
Health: Serious health conditions can lead to high rates or denied coverage. Mild conditions may have a small impact on the cost of your premiums.
Lifestyle: Insurance companies consider some hobbies — like skydiving or scuba diving past a certain depth — risky enough to increase the cost of your life insurance policy.
Life insurance rates remained steady in June 2024 according to the Policygenius Life Insurance Price Index (PLIPI). Rates haven't changed since May 2023, when they went up by 1.4%.
46% of Americans expect to pass on debt to their loved ones when they dieNearly half of American adults expect that if they died today, their loved ones would inherit their debt — and the more they earn, the more likely they are to pass down debt when they die.
Gen Z is 65% less likely than Boomers to turn to financial professionals for adviceBut Americans who would turn to financial professionals first are more likely to view life insurance mainly as a way to provide for dependents in the event of their death.
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75 Angela Davis Quotes That Reflect Her Commitment To Equality & Justice
Political activist Angela Davis has been a prominent figure in the Civil Rights Movement. During her Birmingham, Alabama upbringing, she experienced racism when the Ku Klux Klan infiltrated her middle-class neighborhood and attacked residents. Her exposure to activism began during this time as her mother participated in a local civil rights organization to speak out on racial injustices. Given these experiences, and more that would transpire, there are plenty of Angela Davis quotes that paint a picture of her life.
One of the turning points in Davis' life was in her junior year of high school, where she participated in the American Friends Service Committee (Quaker) program that paired Black southern students with integrated schools in the North. She attended a progressive New York City school where she joined the youth Communist group, which supported what she already learned from her parents. She remained a member of the Community Party until 1991.
Davis' life has been a roller coaster of events that would shape her life. Her political opinions caused her to be terminated as a university professor, and she served 16 months in prison for her suspected involvement in a criminal case. While she was acquitted, she gained worldwide notoriety during a 1970 "Free Angela Davis" movement aimed at releasing her. During her incarceration, she was inspired to change the prison system and eventually founded several advocacy organizations.
Angela Davis is known for being very vocal about advocating for the oppressed. She's an award-winning author, an advocate for the LGBTQ+ community and prison reform, and an international lecturer. While she has been labeled a radical, feminist and a militant, her words continue to inspire individuals fighting for freedom, equality and justice. Here are 75 of Angela Davis' most famous quotes.
Related: 22 Ida B. Wells Quotes About Injustice, Truth and Virtue
1. "I am no longer accepting the things I cannot change. I am changing the things I cannot accept."
2. "We have to talk about liberating minds as well as liberating society."
3. "Anyone who's interested in making change in the world, also has to learn how to take care of herself, himself, theirselves."
4. "Freedom is a constant struggle."
5. "I have a hard time accepting diversity as a synonym for justice. Diversity is a corporate strategy."
6. "We know the road to freedom has always been stalked by death."
7. "The process of empowerment cannot be simplistically defined in accordance with our own particular class interests. We must learn to lift as we climb."
8. "In a racist society, it is not enough to be non-racist, we must be anti-racist."
9. "The idea of freedom is inspiring. But what does it mean? If you are free in a political sense but have no food, what's that? The freedom to starve?"Related: What Is Juneteenth? Everything To Know About the Integral Day in Black History
10. "Radical simply means grasping things at the root."
11. "You have to act as if it were possible to radically transform the world. And you have to do it all the time."
12. "My name became known because I was, one might say accidentally the target of state repression and because so many people throughout the country and other parts of the world organized around the demand for my freedom."
13. "Revolution is a serious thing, the most serious thing about a revolutionary's life. When one commits oneself to the struggle, it must be for a lifetime."
14. "Imprisonment is increasingly used as a strategy of deflection of the underlying social problems—racism, poverty, unemployment, lack of education, and so on."
15. "If they come for me in the morning, they will come for you in the night."
16. "Sometimes we have to do the work even though we don't yet see a glimmer on the horizon that it's actually going to be possible."
17. "Prisons do not disappear social problems, they disappear human beings."
18. "I decided to teach because I think that any person who studies philosophy has to be involved actively."
19. "The work of the political activist inevitably involves a certain tension between the requirement that position be taken on current issues as they arise and the desire that one's contributions will somehow survive the ravages of time."
20. "Human beings cannot be willed and molded into non-existence."
21. "Justice is indivisible. You can't decide who gets civil rights and who doesn't."
22. "We live in a society of an imposed forgetfulness, a society that depends on public amnesia."
23. "Black women have had to develop a larger vision of our society than perhaps any other group. They have had to understand white men, white women, and Black men. And they have had to understand themselves. When Black women win victories, it is a boost for virtually every segment of society."
24. "Placing the question of violence at the forefront almost inevitably serves to obscure the issues that are at the center of struggles for justice."
25. "To understand how any society functions you must understand the relationship between the men and the women."
26. "The campaign against the death penalty has been – while a powerful campaign, its participants have been those who attend all of the vigils, a relatively small number of people."
27. "I think that many people have forgotten that, if knowledge is to have any meaning, if it is to be useful, it should have an impact in the world."
28. "But rather, we celebrate Black history, I believe, because it is a centuries-old struggle to achieve and expand freedom for us all. And so Black history is indeed American history, but it is also world history."
29. "Jails and prisons are designed to break human beings, to convert the population into specimens in a zoo – obedient to our keepers, but dangerous to each other."
30. "When children attend schools that place a greater value on discipline and security than on knowledge and intellectual development, they are attending prep schools for prison."Related: 'A Man Who Stands for Nothing Will Fall for Anything'—Here Are 150 of the Best Malcolm X Quotes
31. "It is in collectivities that we find reservoirs of hope and optimism."
32. "I try never to take myself for granted as somebody who should be out there speaking. Rather, I'm doing it only because I feel there's something important that needs to be conveyed."
33. "Anyway I don't think we can rely on governments, regardless of who is in power, to do the work that only mass movements can do."
34. "If we do not know how to meaningfully talk about racism, our actions will move in misleading directions."
35. "Deviant men have been constructed as criminal, while deviant women have been constructed as insane."
36. "As many times as I've spoken during Black History Month, I never tire of urging people to remember that it wasn't a single individual or two who created that movement, that, as a matter of fact, it was largely women within collective contexts, Black women, poor Black women who were maids, washerwomen, and cooks. These were the people who collectively refused to ride the bus."
37. "Walls turned sideways are bridges."
38. "Feminism insists on methods of thought and action that urge us to think about things together that appear to be separate, and to disaggregate things that appear to naturally belong together."
39. "The prison has become a black hole into which the detritus of contemporary capitalism is deposited. Mass imprisonment generates profits as it devours social wealth, and thus it tends to reproduce the very conditions that lead people to prison."
40. "Communities are always political projects, political projects that can never solely rely on identity."
41. "But the important word here is probably not the one you are thinking of. It's trying. Trying and trying again. Never stopping. That is a victory in itself."
42. "No amount of psychological therapy or group training can effectively address racism in this country, unless we also begin to dismantle the structures of racism."
43. "I think that this is an era where we have to encourage that sense of community particularly at a time when neoliberalism attempts to force people to think of themselves only in individual terms and not in collective terms. It is in collectivities that we find reservoirs of hope and optimism."
44. "When Black women stand up— as they did during the Montgomery Bus Boycott—as they did during the Black liberation era, earth-shaking changes occur."
45. "I never saw myself as an individual who had any particular leadership powers."
46. "What this country needs is more unemployed politicians."
47. "The process of trying to assimilate into an existing category in many ways runs counter to efforts to produce radical or revolutionary results."
48. "Movements are most powerful when they begin to affect the vision and perspective of those who do not necessarily associate themselves with those movements."
49. "It doesn't matter that a Black woman heads the national police. The technology, the regimes, the targets are still the same."
50. "I think in black communities today we need to encourage a lot more cross-racial organizing."
51. "[Trans women] have to fight to be included within the category "woman" in a way that is not dissimilar from the earlier struggles of Black women and women of color who were assigned the gender female at birth."
52. "We have been basically persuaded that we should not talk about racism."
53. "It is both humiliating and humbling to discover that a single generation after the events that constructed me as a public personality, I am remembered as a hairdo."
54. "How can we produce a sense of belonging to communities in struggle that is not evaporated by the onslaught of our everyday routines? How do we build movements capable of generating the power to compel governments and corporations to curtail their violence?"
55. "You can't criticize people for wanting to have a decent life or wanting to live decently."
56. "I grew up in the southern United States in a city which at that time during the late '40's and early '50's was the most segregated city in the country, and in a sense learning how to oppose the status quo was a question of survival."
Related: 55 of Dr. Martin Luther King, Jr.'s Most Inspiring Motivational Quotes
57. "We should seek out all the doors which still remain ajar, however slight the opening might be."
58. "You can never stop and as older people, we have to learn how to take leadership from the youth and I guess I would say that this is what I'm attempting to do right now."
59. "I often like to talk about feminism not as something that adheres to bodies, not as something grounded in gendered bodies, but as an approach - as a way of conceptualizing, as a methodology, as a guide to strategies for struggle. That means feminism doesn't belong to anyone in particular."
60. "Whenever you conceptualize social justice struggles, you will always defeat your own purposes if you cannot imagine the people around whom you are struggling as equal partners."
61. "Optimism is an absolute necessity, even if it's only optimism of the will, as Gramsci said, and pessimism of the intellect."
62. "We will have to go to great lengths. We cannot go on as usual. We cannot pivot the center. We cannot be moderate. We will have to be willing to stand up and say no with our combined spirits, our collective intellects, and our many bodies."
63. "This movement was something so extraordinary, not only because it saved my life – and that was a major accomplishment – but also because it demonstrated that change was possible as a result of organized, mass pressure."
64. "According to a recent study, there may be twice as many people suffering from mental illness who are in jails and prisons than there are in all psychiatric hospitals in the United States combined."
65. "The freedom movement was expansive. It was about transforming the entire country. It was not simply about acquiring civil rights within a framework that itself would not change."
66. "The challenge of the twenty-first century is not to demand equal opportunity to participate in the machinery of oppression. Rather, it is to identify and dismantle those structures in which racism continues to be embedded."
67. "But racism persists in a framework that is far more expansive, far vaster than the legal framework."
68. "The food we eat masks so much cruelty. The fact that we can sit down and eat a piece of chicken without thinking about the horrendous conditions under which chickens are industrially bred in this country is a sign of the dangers of capitalism, how capitalism has colonized our minds. The fact that we look no further than the commodity itself, the fact that we refuse to understand the relationships that underly the commodities that we use on a daily basis. And so food is like that."
69. "I would say that as our struggles mature, they produce new ideas, new issues, and new terrains on which we engage in the quest for freedom. Like Nelson Mandela, we must be willing to embrace the long walk toward freedom."
70. "We wear the global sweat of women and girls on our bodies."
71. "I'm part of a righteous people who anger slowly but rage undamned. We'll gather at his door in such a number that the rumbling of our feet will make the earth tremble."
72. "I think the importance of doing activist work is precisely because it allows you to give back and to consider yourself not as a single individual who may have achieved whatever but to be a part of an ongoing historical movement."
73. "Leadership does not have to be individualistic… it can be collective."
74. "It is essential to resist the depiction of history as the work of heroic individuals in order for people today to recognize their potential agency as a part of an ever-expanding community of struggle."
75. "We are never assured of justice without a fight."
Next: 45 Frederick Douglass Quotes To Celebrate His Incredible Legacy
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Top 10 Quotes From Drexel's 2024 Commencement
President John Fry on the stage for Drexel's 2024 Commencement ceremony.
3. Vivek Babu, 2024 graduate of biological sciences in the College of Arts and Sciences' BS+MD Early Assurance Program and president of the Undergraduate Student Government Association:"Ultimately, the sobering reality of graduation is that we do not know where the future lies in six months, a year or even 10 years. But here's what I am certain about: Without community, we are incomplete. When our achievements are rooted in collaboration, authenticity and mutual respect; when we stand in solidarity with those who share our pain and joy; and when we lift one another up in hopes of collective success, our lives are enriched with purpose, optimism and hope for the path ahead of us."
4. Sheryl Lee Ralph:"Right now, as you step forward, remember that success is not in just grand achievement, but it is in small acts of kindness, courage and integrity. And it's not just about you reaching your own goals — it's about you making sure you bring others with you."
5. Cimi Patani, who graduated this year with a MS in electrical engineering from the College of Engineering and formerly served as president of the Graduate Student Association:"Have you ever beaten up yourself even after you achieved something, but you went on to compare yourself with others, not giving the credit that you deserve? Relatable, huh? I'm doing it right now. In this world where all advantages are temporary and all disadvantages are permanent, being grateful for your journey, your personal struggles and your personal growth … forces you to appreciate your life and be at peace. It keeps you grounded when striving for more, making even setbacks easier to handle."
Vivek Babu addressed the crowd on the behalf of the undergraduate Class of 2024 at Drexel's Commencement.
6. John Fry:"237 years ago and five miles north of where we gather today, our Founders created our Constitution, the charter for the world's oldest democracy. At the end of the Constitutional Convention, Benjamin Franklin was asked, 'Well, Dr. Franklin, what have we got? A republic or a monarchy?' Franklin famously replied, 'A republic — if you can keep it.' Members of the Class of 2024: Our democracy and our planet are now yours to protect and to keep. I know both are in good hands."
7. Vivek Babu:"There will be people who try to convince you that it's a dog-eat-dog world where success demands selfishness. They will insist that your gain, your win, your success must come always at the expense of someone else's failure. And let me be clear: I'm not going to tell you that they are fully wrong. There are indeed moments where bravery becomes non-negotiable and where we must fight tooth and nail for our dreams and build the future we envision for ourselves. But today, as we cross the finish line with diploma in hand, in rain, in sun and in wind, we are tasked with something far greater than ourselves: we are tasked with creating community."
8. Sheryl Lee Ralph:"Honey, I do not look like my journey. I came off the rough side of the mountain. There were bad breaks, heart breaks, mistakes, disappointments. There were times I thought about giving up, but I learned a very valuable lesson. In this life, there is always somebody waiting right there to block you from your blessing. And that person is you. Nobody can ever, will ever, do a better job of standing in your way than you."
9. Cimi Patani:"Would you expect yourself to run a marathon with a fractured leg? If your body is telling you something, listen to it intently. If you need rest, time, etc., be respectful enough to acknowledge that. Emotions are to be felt; respect that."
Cimi Patani shown on screen during her speech at Drexel's 2024 Commencement.
10. Sheryl Lee Ralph:"Switch on your moral compass. It will provide you with a lifelong sense of direction, choosing between right and wrong, and you do know the difference. That moral compass will keep you in touch with integrity in your personal and professional conduct."
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