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A new press release from comScore Inc., a digital scoring company, revealed that life insurance search activity in 2009 increased by 15 percent, which is a new record.

According to comScore's recent study, there were 16.6 million queries for life insurance information, which was significantly higher than the previous year.

Why Life Insurance Searches Have Increased

According to comScore, the reason that there has been a jump in life insurance inquiries is that more Americans have access to the Internet and are able to research information on life insurance for themselves or their families. Because the Internet has played such an important role in financial planning, people have grown accustomed to relying on virtual information to get them the details they need to make their decisions.

Online Quotes Also Increased

ComScore also noted that during the same time period in 2009, consumers requested two million online quotes for life insurance. According to the digital scoring company, this number shows that Americans are demonstrating increased comfort and reliance on the Internet when having to shop for complex financial services.

Where Can I Get Life Insurance Quotes?

If you're interested in obtaining your own life insurance quote, visit Go Insurance Rates for the information you need. By entering your zip code, you will be linked to top life insurers around the country.

It's good to know that many Americans are taking life insurance more seriously than ever. If you also take life insurance seriously, now's the time to learn more about getting started with your own policy.

Life insurance is one key element for estate planning, but may not cover those who perish due to an accident. That is where accidental death and dismemberment insurance kicks in.

Accidental death and dismemberment insurance (AD&D insurance) is a type of policy that would specifically pay out to beneficiaries if the policyholder died because of a calamity. Like with any type of insurance coverage, there are pros and cons to selecting an accidental death and dismemberment insurance policy:

Pros of Accidental Death Insurance

Cons of Accidental Death Insurance

Accidental death and dismemberment insurance may be good idea if you work in a specific industry where accidents causing dismemberment is common. Common industries for those industries include farming, coal mining and factory work.

In those cases, conventional life insurance would provide very little assistance. But for the average Joe or Jane, money invested in AD&D would be better spent toward a broader policy such as standard life insurance, long term care or even burial insurance.

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