Affordable Life Insurance Protection for Your Family
Comparing Term Life Insurance Premiums
If you’re shopping for a temporary life insurance policy you may be looking for the most affordable plan available from a highly-rated insurance company.
After all, nobody wants to spend more than necessary on life insurance, or anything else for that matter, considering the world in which we live today.
But, how can you go about finding the best deal on your term life insurance plan?
Actually, it’s very simple. You just request and compare the best prices available.
To compare premiums for term life you just fill out a Quote Request Form and click on the button to instantly see the best pricing available for term policies based on the information you provide.
What Questions are Asked to Get Premium Quotes?
In order to request your free price quotes on term insurance you’ll be asked some easy questions; such as, your Age, Gender, Tobacco Use, Height, Weight, State of Residence, etc.
Then, you just click on a button and instantly receive the best prices available from a network of leading life insurance carriers.
Comparing Premiums on Term insurance
Make sure you consider the following when you request and compare pricing on your term insurance plan:
What Factors Affect My Premium for Term Insurance?
There are several variables that go into determining a premium for term life protection.
Your premium is based on the rate charged for your coverage, multiplied by the amount of insurance.
For Example: A 10-Year Term Policy providing $250,000 of Life Insurance.
A man 35 years old may be charged $15 per month for this particular policy.
That means, the annual premium is $15 X 12 = $180 for a $250,000 death benefit on a 10-year level term life insurance policy.
Several Personal Risk Factors impact your rate per $1,000 of life insurance, including the following:
Each of these factors may impact your longevity – How long you are expected to live.
The younger and healthier you are when you buy your life insurance policy, the lower your rate.
Tips to Save on Term Life Insurance
Here is a list of helpful tips to save you more money on your term life insurance:
Tips for Comparing Term Life Premiums:
NOTE: Life insurance quotes are Free. This is no charge to compare pricing on term life policies.
NO Exam Option: Yes, you may be able to purchase a term life policy without having to take any health examination.
Today, more and more people are choosing to purchase their life insurance direct online without taking a medical exam. And, rates for no exam term life plans can be affordable compared to those policies that do require a physical.
What Do Comparisons for Term Life Premiums Provide?
When you request comparisons quotes for term life insurance you receive multiple quotes from several different life insurance companies which usually provide the following information:
In addition, the quote providers have a phone number and email address available for providing assistance with understanding your life insurance quotes and helping you to apply for your life insurance policy.
How to Save Money on Life Insurance Premiums
There are several tips you can use to help you get more affordable life insurance premiums on your coverage.
What are the Benefits of Comparing Premiums for Term Insurance?
There are several benefits to comparing life insurance quotes online, including:
Tips for Comparing Premiums on Life Insurance
Keep in mind when comparing your quotes for life insurance from several insurers make sure you consider not only the lowest prices, but how long the insurer has been in business and their financial strength rating.
Also, after reviewing your price quotes you may want to contact your family members and friends to ask if they have any experience with the life insurance carrier you are considering buying your life insurance policy from – they may have a policy with the insurer and know whether or not the insurance company is good and provides good customer service.
When shopping for your life insurance policy make sure you consider how long you will need protection (how many years) and how much you can afford to spend each month on your life insurance plan.
Why Compare Term Premiums with JRC Insurance?
JRC Insurance has helped over 100,000 American families find affordable protection from quality life insurers over the last 10+ years.
JRC Insurance has a network of top carriers including Prudential, Metlife, Fidelity Life, Transamerica, Mutual of Omaha, Lincoln Financial, and American General, among others from which you can shop and compare plans and prices.
They also have licensed professionals available by toll-free phone or email to assist you in learning all about your options for life insurance and how the buying process works, including how to prepare for a medical exam, as well as, providing you with answers to any questions you may have about life insurance terms and coverage.
How Can I Get Term Life Premium Quotes?
The process of comparing quotes is quick and easy, and there’s absolutely no obligation.
Three Simple Steps
Term Life Insurance Premium Quotes
Top Pick – JRC Insurance Group
JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.
Highly Recommended – Haven Life Insurance Agency
Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.
Applicants age 60-64 are eligible to apply for up to $1 million in coverage; subject to underwriting approval.
Some qualified applicants (U.S. citizens up to the age of 59) will be able to finalize coverage without the need for a medical exam. The majority of applicants are still required to take a medical exam.
Keep in mind: Issuance of the policy or payment of benefits may depend upon the answers given in the application and the truthfulness thereof.