shopify analytics ecommerce
tracking

Accurate Term Life Insurance Quote

You can guarantee an accurate term life insurance quote.

While there are some carriers who quote one level premium at a given age there are others who build your policy based on the information you give them regarding your health, occupation or avocation.

There are 3 rate categories, preferred, select and standard.


Compare low cost term insurance - Save up to 70%


An Accurate Term Life Insurance Quote

Which Category Most Suits Your Need?

The big problem is that some companies ask you to choose which category you belong in without giving an explanation of how this all works.

You, therefore, end up in many cases choosing the wrong category and you end up with an incorrect term insurance quote.

Let me try to assist you the best I can.

  • Preferred Premium Rates

    The best and lowest term insurance premium rates are called preferred rates. Persons who fall into this rate category are those who are in excellent health.

    They have no bad family history either and don't involve themselves in hazardous occupations or avocations.
  • Select Premium Rates

    These people are also in pretty good health but their family history may indicate that they may die at a younger age than those that fall within the preferred area.

    These people may have had illnesses in the past that were treated and are not likely to recur. These people do not excessively use alcohol or drugs or engage in any hazardous occupation or avocation.
  • Standard Premium Rates

    This category is for people who have a family history of illnesses that are likely to prematurely kill them. A family history of stroke or heart disease, obsessive alcohol use or drug use, or overweight would put one in this category.

When getting a term life insurance quote from a company which categorizes their risks in the above manner you should be careful to select the correct one so that you will get an accurate term insurance quote.

Tell them the truth so that you get no surprises.


Get the best premium possible - Compare Rates and Save!


Home | Affordable Term Life Insurance Quotes | Accurate Term Life Insurance Quote

Tools And Resources

Life Insurance Need Calculator

Recent Articles

  1. No Medical Exam Life Insurance Explained - No Medical Life Insurance

    No Medical Exam Life Insurance. What is going on here? Is this new? The way people act one would think that this is an entirely new idea.

    Read More

  2. Online Life Insurance - Online Term Life - Online Whole Life

    Consider online life insurance. Buying life insurance online can be quite a simple process especially if you know how much you want and what type.

    Read More

  3. Term Insurance Details - Term Life Insurance Policies Explained

    There are many pages on this website on term insurance details and how it works. What I want to do on this page is give you a basic and general outline of this policy.

    Read More

  4. Term Life Insurance Quote - Premiums Have Been Reduced

    You may find it a valuable experience as well as enlightening if you took some time to get a term life insurance quote on your favorite term policy.

    Read More

  5. Key Employee Life Insurance

    Key employee life insurance is really a necessity.

    Read More