Why Should I Purchase Life Insurance? 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.
Is there a money-back guarantee? 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.
What's the difference between term life insurance and whole life insurance? 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.
Will I have to take a medical exam? 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.
What can I do to save money on my insurance?
Buy when you're young. Even though you might not have huge financial needs when you're young, your rates are much less expensive when you're young. Most would agree it's best to get as much protection as you can afford while your young and have it locked in for your future needs.
Your "half" birthday could be expensive. While a few companies base their rates on your actual age, most price their policies six months before your birthday, or your "nearest Age." So don't wait.
Don't Procrastinate. Get covered before any major health issues arise. You health buys life insurance, not money. Buy while your healthy, certain conditions such as diabetes or heart disease can make life insurance very expensive or in some situations make you uninsurable.
How much life insurance do I need? There are a few guidlines that most insurance professionals agree on in determining an appropriate amount of insurance for a family.
Covering all of your debt obligations.
Income or bennifit replacement to the family.
Children's Education.
More simply you can se this guide to help you determine your needs:
If you have a young family you may need anywhere from 10-20 times your annual income.
If you are pre-retirement you might only need 7-10 times your annual income.
If you are in retirement you may only need 3-8 times your annual retirement income or enough to help offset any estate taxes.
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.
Why wait any longer, take just 2 minutes and let us sift through hundreds of companies to find the one that's right for you. Click here for our SPEED QUOTE!
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