Best Term Life Insurance Coverage

What’s the best term life insurance coverage?

The best type of term life plan is level term life insurance.

Level Term provides:

  • Guaranteed level amounts of life insurance.
  • Your Rate is guaranteed to remain the same each year for up to 30 years.
  • Flexible coverage terms for up to 30 years.


Level term life insurance offers you the option of choosing life insurance protection for a period of 10, 15, 20, 25 or 30 years.

Level term life is the most popular type of life insurance because it offers guaranteed rates and coverage, and the lowest prices for life insurance coverage. That means you can afford more life insurance to protect your family. 

Compare Term Life Insurance Quotes

 

When shopping for your term life coverage consider the following:

  1. Financial Rating of the Insurance Company.
  2. Length of Coverage Term – 10, 15, 20, 25 or 30 years.
  3. Amount of Life Insurance Protection.
  4. Renewable Option.
  5. Level amount of coverage throughout the entire term.

 

The financial rating will be provided with your quotes for life insurance. The higher the rating, the better able the insurer is to pay their claims. Look for a rating of at least "A" Excellent, or better.

The length of coverage term is how long you have the life insurance protection. You may choose a term of 10, 15, 20, 25 or 30 years with level term insurance. However, term life plans may last until age 65, 70 or longer with premiums that increase after the original term.

The amount of life insurance protection stays the same each year throughout the life of your level term life policy.

Renewable option allows you to renew your term life policy for another 10 year term, when the original policy term ends. You do not have to take a physical exam to qualify for the renewal term, but your new rate for the life insurance at renewal will be based on your age at that time.

 

Term Life Insurance Quotes

 

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Best Term Life Insurance Coverage


 


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