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Simple, peace of mind. At just pennies per day you can protect yourself and your loved ones against any unforeseen events, which occur everyday. Many Americans do not have adequate life insurance coverage and most don't realize how simple and affordable term life insurance is.
YES, all companies we work with offer a written 30 Day money-back guarantee, and you may cancel your policy thereafter with no further obligation, no questions asked, it's the law.
The two basic types of life insurance are Term Life Insurance and Whole Life Insurance. Term Life Insurance allows you to choose the coverage amount and the length of the policy, and Whole or Permanent Life Insurance (of which there are many variations), which usually combines an investment product with life insurance. Whole life insurance is expensive, mainly because of the investment aspect, whereas term life insurance is very affordable.
In the last few years we've seen the price of term life insurance drop making it very affordable for people to obtain adequate life insurance coverage for their families. Most people choose to take the savings they get from purchasing a term life insurance policy and invest it on their own, rather than having it tied up with an insurance policy.
Most insurers require a quick and easy exam. It's a free exam performed by a licensed medic who will come to you. The examiner will simply ask a few health questions and take a blood and urine sample in most cases. Consider it a complimentary bill of health.
There are a few guidlines that most insurance professionals agree on in determining an appropriate amount of insurance for a family.
More simply you can se this guide to help you determine your needs:
These are just simple guidlines, but the licensed insurance professional who contacts you will be able to take a better look at your indivdual needs and help you determine an amount approprate for you.
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Welcome to the TermInsuranceQuotesFast.com life insurance resource center. Here you will find various tools and articles made available to help you with your life insurance needs.
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways:
Life insurance can be issued in many forms; among them are term life insurance, level premium term life insurance, Return of premium term life insurance, instant issue term life insurance, permanent life insurance, whole life insurance, universal life insurance, variable life insurance, and variable universal life insurance.
Term life insurance policies are very popular because of their low cost and relatively long term of coverage. This is life insurance in its most inexpensive form. Read More...
With level premium term life insurance premiums on the policy are guaranteed to remain the same for the entire term period, this means that the rates are fully guaranteed. Read More...
Return of Premium (ROP) term life insurance is a fairly new product that combines the advantages of traditional term life insurance with a return of premium feature. At the end of the level premium period, 100% of the premiums paid will be returned to the policy owner, excluding substandard fees and any extra charges. Read More...
Instant issue term life insurance combines the advantages of traditional term life insurance with the speed and ease of the Internet. Policies are typically issued in 15 minutes with no medical exams or lengthy underwriting. Read More...
Permanent life insurance provides lifelong protection. As long as the premiums are paid, the policy will stay in force until a death benefit is paid. These policies are designed and priced to keep over a long period of time. Read More...
Whole life insurance is also referred to as ordinary life, this the most common type of permanent life insurance. It provides the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on cash values. Read More...
Universal life insurance is also known as adjustable life insurance. As long as premiums are paid, a death benefit is paid to the beneficiary. These policies are unlike whole life insurance policies because they offer the policy owner some flexibility to change the premium payments and death benefit. Read More...
Variable life insurance provides death benefits and cash values that differ with the performance of a portfolio of underlying investment options. The premiums for variable life insurance policies are made to remain stable over time. These policies build up cash values on a tax-deferred basis with the chance for higher rates of return than traditional whole life policies. Read More...
Variable universal life insurance and universal life insurance are similar in nature. This type of life insurance allows policy owners to have premium dollars allocated to a variety of investment options, including a fixed account while maintaining a flexible premium. Read More...
Many term life insurance policies include precise features with the policy that do not need additional premium. Read More...
Underwriting is defined as the process in which the insurance company evaluates an applicant to decide if they will offer insurance and if they chose to do so, at what rate class. The life insurance company reviews the information in the application, medical exam, lab results and information from attending physicians.
The application process is generally referred to as underwriting. In a broad sense, underwriting includes the collection and evaluation of applicant information and an underwriting decision and offer made by the insurance company.
Once the underwriting decision is complete, the insurance agent will call you with the terms of the offer and work with you to put your policy in force.
Occasionally the underwriting process can take a few months. There are several ways to avoid delays in the process. Read More...
As soon as the underwriting process on your application for life insurance is complete, the insurance company will issue your new policy. At this time, your rating class and final premium rate is decided. After issuing your policy, the insurance company will mail the policy to your agent. Read More...
To become more familiar with life insurance and the different options that are available to you, we have developed this simple glossary to help answer your questions. Read More...
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