EMERALD CREEK INSURANCE AGENCY, LLC
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Life Insurance

Term Life Insurance Without The Hassle. No Exams & No Pressure. Apply Today! Up To $1.5M In Coverage, 100%
​Online Process & Instant Decision! Start Applying Now! Instant Decision. A+ Rated. No Medical Exam. 10-30 Year Term.
Apply in Minutes. Fast Free Quote!
(only available in the states of wa, id, mt)


get an Instant No Exams quote!
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(208) 245-1000
​73 Homer Dr.
Saint Maries, ID 83861​
Click Here to Email Us

What is Life Insurance?

Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.
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What type of life insurance do you need?

​There are two main types of life insurance:  term and permanent.​
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You’ve done some exciting and memorable things in life, and you

have so much to look forward to. And while we know choosing life
insurance right now isn’t fun, it can give you the peace of mind to
focus on other things. We’re here to help you understand your options and protect the life you’ve built. Term life insurance can offer you the financial protection you need down the road, so you can focus on living your best life now.

What is term life insurance?
Term insurance pays a simple death benefit if you should die during the specified period of time, usually at cheaper premium costs.

  • Term life insurance provides many benefits:
    • Tax-free death benefit for beneficiaries.
    • Affordable protection for short-term needs that may lessen over time, such as mortgages or business loans.
    • Guaranteed coverage for the policy period you choose: 10, 15, 20 or 30 years.

  • How do you know if term insurance is right for you?
    You know you need life insurance, but you’re not sure which type of policy you should purchase. Consider some of the differences between term and permanent insurance. A good way to compare them is to think about renting (term) vs. owning a home (permanent).



Life Insurance Quote
Get a life insurance quote
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  • What is permanent life insurance? Offers lifetime protection, a tax-free death benefit, and tax-deferred cash value. The cash value can generally be accessed via loans or withdrawals, and can be used for a variety of purposes. As a result, permanent life insurance provides you with increased flexibility. Three common forms of permanent life are guaranteed universal life, whole life and index universal life.

Licensed in: Idaho, Montana, and Washington


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Emerald Creek Insurance Agency, LLC
73 Homer Dr.
Saint Maries, ID 83861
Local: (208) 245-1000​
Click Here to Email Us

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  • Home
  • About Us
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • News
  • Quotes
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV/UTV Insurance Quote
      • Motorcycle Quote
      • Snowmobile Quotes
      • Trailer & Camper Quotes
      • Boat Insurance Quote
      • Classic Car Insurance Quote
      • RV Insurance Quote
    • Property Quotes >
      • Home Insurance Quote
      • Flood Insurance Quote
      • Landlords Insurance Quote
      • Renters Insurance Quote
      • Umbrella Insurance Quote
      • Manufactured/Mobile Home Insurance Quotes
      • Vacant Dwelling Insurance Quotes
      • Condo Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Commercial Auto Quotes
    • Life Quotes >
      • Life Insurance Quote
      • Final Expense Insurance Quote
  • Insurance Products
    • Vehicles >
      • Auto Insurance
      • Snowmobile Insurance
      • ATV/UTV Insurance
      • Boat Insurance
      • Trailer & Camper Insurance
      • Classic Car Insurance
      • Motorcycle Insurance
      • RV Insurance
    • Property >
      • Home Insurance
      • Flood Insurance
      • Landlords Insurance
      • Renters Insurance
      • Umbrella Insurance
      • Vacant Dwelling Insurance
      • Condo Insurance
      • Manufactured/Mobile Home Insurance
    • Business >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Commercial Auto Insurance
    • Life >
      • Life Insurance
      • Final Expense Insurance
    • Pet Insurance
  • Service
    • Make a Payment
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Online Documents
    • Free Consultation
  • Contact