This is the place where you'll get up-to-date information on Term life online insurance, including money-saving tips, articles, company reviews and resources to help you learn about term life insurance.
Review a list of the top 10 life insurance companies.
If you're considering life insurance you may be wondering what is the average cost of life insurance?
Well, the cost of life insurance depends on your specific risk factors - your age, gender, health, lifestyle, tobacco use, occupation, hobbies, height-to-weight-ratio, driving record, etc.
These factors are all considered when determining your cost of life insurance; as well as, the type and amount of life insurance you need.
Risk factors affect your life expectancy how long you are expected to live (and pay your premiums for life insurance).
So, you can compare rates for different amounts and types of life insurance to get an accurate estimate of the average cost of your life insurance from several insurance companies.
If you're in need of guaranteed approval life insurance there are some things you should become familiar with about these types of plans, including the following:
1. Guaranteed acceptance for people meeting a certain age (for example, ages 45 to 85).
2. No medical examination required.
3. No health questions asked.
4. Guaranteed level premiums for the duration of your policy.
5. Graded death benefits the first 2 or 3 years you are insured.
Learn more about guaranteed issue life insurance plans and find out how you can get insured even if you have been turned down by other insurance companies for life insurance.
My term life insurance expiration date is coming up soon, what should I do?
If your term life policy is about to expire, you'll want to consider your options.
If you no longer need life insurance you can let your insurance expire and stop paying premiums.
If you need life insurance longer, contact your insurer or agent to ask about the renewability of your policy and how much it would cost to renew your policy for another term.
Or, you can purchase a new life insurance policy, but it may require you to take a physical exam; whereas, renewing your existing insurance policy may not require an exam.
Do you want to protect your home for your family?
If so, you may want to consider the purchase of a term insurance policy to protect your home and your family.
Term life insurance on your home mortgage loan can make sure your family has the money needed to pay the outstanding mortgage loan in case you pass away.
With mortgage term insurance you select an amount of insurance that matches the amount you owe on your home mortgage, and you choose coverage for a "term" that matches the duration of your mortgage loan.
Term insurance for your mortgage is affordable and it can give you peace of mind knowing your loved ones can remain in the home they shared with you should the unexpected happen.
Learn more about term insurance for mortgages today.
If you need funds to pay for your final expenses, a burial insurance policy may be a good idea.
Many people choose to purchase burial insurance at affordable rates in order to have the funds needed to pay for their burial, funeral and final expenses.
Estimates indicate the average cost of burial relates expenses exceed $7,700. Many burial plans may offer as much as $20,000 or more of coverage.
Burial insurance can give you peace of mind knowing your family will not suffer financially should you pass away, because your burial policy will make sure they have the money needed to pay for your burial and funeral.
What are some ways I can save money on my life insurance policy?
If you have an existing policy you may switch from permanent to term life insurance. Or, request a lower amount of coverage.
If you are now shopping for coverage you can choose term life which costs much less than permanent insurance.
Also, compare pricing among several of the top carriers.
In addition, you could choose a lower amount of life insurance or a shorter term (duration) for your life insurance plan.
Here's how you can compare life insurance pricing form top carriers in just minutes.
Are you considering the purchase of a term insurance policy to protect your family?
If so, you may want to review some term insurance basics to get an understanding of how term life insurance works and why it may be right for you.
What is term insurance? It's a type of temporary life insurance that lasts for a specific number of years.
You choose how ling you need coverage form 10, 15, 20 or 30 years.
The longer your "term" for coverage, the higher your annual premium (cost) for life insurance.
If you pass away during the "term" of your life insurance, your beneficiary receives the death benefit from your life insurance.
Term insurance is "pure protection", which means it is only life insurance, not an investment.
Can seniors get a term life insurance policy?
Yes, in fact, if you are a senior you may have a choice of several options for your term insurance plan.
Depending n your age and health, you may be able to choose term coverage for a "term" of 5, 10, 15 or 20 years.
Of course, the longer your term, the higher your annual premium for coverage.
Keep in mind, you may still outlive the length of your term life policy so make sure to choose a duration that meets your life insurance goal.
Here's how to compare senior term life insurance rates online from several of he top carriers.
How can I compare pricing on term insurance?
It's quick and easy to get a term insurance quote on the internet.
You just visit a quite provider for life insurance. Then, fill out a quote request form and you instantly receive the lowest prices from several of the leading insurance carriers.
Your quotes are based on the information you provide on the request form, including your age, gender, tobacco use, health, and the length of term you need and amount of life insurance coverage.
Your life insurance quotes are free and there's no obligation to buy.
If you like the quotes offered you can request additional information or request an application for coverage.
Remember, when comparing prices you have an option of choosing term life coverage for a "term" of 10, 15, 20 or 30 years of protection.
Yes, when you purchase a life insurance policy you may use a credit card to pay for your insurance, if the insurer accepts credit cards.
Usually, an insurance company will accept several different payment options, including a check, direct deposit from your checking account, or a credit card.
However, not all insurance companies accept credit cards. So, you'll want to ask before making your purchase so you know if credit cards are an acceptable form of payment for your life insurance.
Learn how to buy life insurance online today.