The free insurance quotes provides coverage for limited chosen period of time, if the insured dies during the term, the death benefit will be paid to the beneficiary, it has flexibility, you can either drop the policy or pay annually increasing premiums to continue the coverage. However before buying a plan, you should find comprehensive information about life insurance policy and compare various types of insurance policy such as Disability Insurance, Long Term Care Insurance, Life Insurance, accident insurance and choose the best plan as per your specific need.