Or you can walk in to any insurance company, even if you don't have an appointment, and ask for a life insurance cover quote.

Just keep in mind that whichever option you pursue, a quote will only provide you with a baseline figure. What will really add validity to your life insurance cover quote is providing additional details about yourself, your needs, your goals, and your overall state of health.

In addition to the ways you can get a life insurance cover quote, you have several coverage options. In general, you can choose basic Term life insurance, you can get what is called Mortgage Insurance, you can get life insurance or mortgage insurance cover with a critical illness component and you can request a terminal illness option.

If you're already confused, don't be. Just read on.

A term life insurance cover quote is generally the least costly. You choose a face value for this basic form of life insurance and a time period during which you want coverage and based on your age, gender and physical condition, you'll be given a rate.

If you decide to purchase this cover, your beneficiaries will receive the policy's face value upon your death which they can then use as needed.

If you just want to make sure your family has enough money to repay a mortgage after you pass on, request a Mortgage life insurance cover quote. To be eligible, your mortgage must be a Repayment type.

This type of life insurance cover will provide your beneficiary with cash in an amount equal to the mortgage payoff amount should you die or be diagnosed with a critical illness during the cover term.

Critical illness may or may not be considered an additional cost when you ask for a life insurance cover quote so ask for clarification. A critical illness may not cause death, but it can cause you to lose your job.

Critical illness cover will pay you a lump sum should you be diagnosed with one of the covered illnesses during the term of your life insurance. The cover may have additional conditions so be sure to ask what they are.

A life insurance cover quote with Terminal illness coverage is different. A terminal illness option pays out the face value of the life insurance once you have been diagnosed with a terminal illness that's listed on the cover. A terminal illness is defined as a condition likely to cause death within a 12-month period.

If you plan to shop around for a life insurance cover quote, it's worth it to familiarize yourself with these and the other life insurance cover quote options that are available.