Affordable Life Insurance Protection for Your Family
How to Get Term Life Insurance Policy Quotes
Are you looking for the most affordable life insurance protection?
If so, you’ve come to the right place. It’s quick and easy to compare the lowest prices on term insurance from a network of leading insurers.
Actually, it only takes about a minute to answer a few simple questions and then instantly receive the best quotes.
How does the term life policy quote process work?
There’s just a few simple steps to find affordable term life coverage.
How Long Does Term Insurance Last?
Term life insurance provides life insurance protection for a specific period of time – usually 10, 15, 20, 25 or 30 years. The longer your term, the higher your annual cost of insurance.
Some term life policies offer renewal, which means if you need coverage longer than your original term, you may extend life insurance for an additional period of up to 10 years, usually.
Term Life Insurance Options – Coverage is available for a period of 10, 15, 20 or 30 years.
Level Premiums and Coverage – The annual premium remains the same each year you are covered, and the amount of coverage stays level until the term of your term life policy expires.
Coverage Amounts – You may choose from $50,000 up to $1,000,000 or more of life insurance protection.
Network of Insurance Carriers – You can compare pricing direct online from a network of 40 of the leading insurance companies.
Instant Pricing Comparisons – You get your free quotes instantly online once you complete the short quote request form.
No Exam Term Life Quotes – You can get a free quote for term life insurance with no health exam required.
Tips to Get the Cheapest Term Insurance Policy
Terms for Term Insurance Coverage
The term is the length of time you have insurance protection under a term life policy.
Term life may be available for a period of 10, 15, 20, 25 or 30 years.
The longer your term for coverage, the higher your annual cost, since the likelihood of your passing away increases as you get older.
Rate Factors for Term Insurance
There are several factors that impact the price you pay for a term life policy, including:
Things to Consider When Buying Life Insurance
Financial Rating – Consider choosing a life insurance carrier rated at least "A" Excellent for financial strength from AM Best.
Reputation – Contact your state department of insurance to inquire about the reputation of the life insurance company you consider buying coverage from.
Years in Business – A life insurer in business more than thirty years may be more financially secure than a life insurance company established in the last five years.
Size of Insurance Company – An insurer with a larger amount of total assets may be more financially secure than a smaller life insurance carrier.
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.