Annual Term Life Insurance

What is annual term life insurance?

It’s life insurance that provides protection for a period of one year.

If you pass away during the one ear term your beneficiary would receive the death benefit. If you outlive the one-year term, your life insurance expires, unless you renew the policy.

Annual renewable term life insurance allows you to renew your one-year life insurance for another year at expiration, but the premium increases with your age.

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If you are considering annual term life insurance, you may want to think about how long you need life insurance protection. You may only have a need for one year. However, your financial responsibilities may increase over time as your life changes.

For instance, if you buy a home, get married, have children, or some other life change occurs, you will have greater financial responsibility, and a need for life insurance for a longer period of time.

And, since life insurance rates increase with your age, you may want to lock-in a lower rate now while you are young and healthy, and can qualify for life insurance at low rates, for a longer period of time.

You can compare rates for 5, 10, 15, 20, 25 and 30 year term life insurance online from several highly-rated life insurance companies in a matter of minutes, with no hassles and no obligation. Request your free term life insurance quotes.

Annual Renewable Term Life Insurance offers you the option to annually renew your term insurance policy each year up to a specific age limit.

The chance of your dying increases statistically the older you get. That means your premiums will increase each year as you renew your term life insurance policy.

Level term life insurance may be a better option if you want premiums and coverage that remain level for 10, 15, 20, 25 or 30 years.

If you buy your term life insurance policy when you are young and unlikely to die, you can usually get a large amount of life insurance coverage for an affordable premium.


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