A young man recently asked me to define term life insurance.
Because I have been in this business for almost all of my life it never occurred to me that there was anyone that would not know what term life insurance was all about.
For the edification of anyone who would appreciate it I am going to take the time to define term life insurance.
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Term life insurance is life insurance in it's purest form. There are
in the premium. In most cases just enough to make sure that the
insurance company does not loose their shirts.
In my attempt to define term insurance I want to make it clear that there is no such thing as a no-load life insurance policy. There are some premium loads in every life insurance policy which are used to cover the costs of issuing the policy. Term has very little...
To define term life insurance we therefore have to say that term life insurance is life insurance in it's purest form.
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Term life insurance is life insurance in it's simplest form. These policies stay in force for a specific number of years, for example, 5 years 10 years etc.
Whole life insurance is the plan of choice for many people. There are many variations to this plan.
Universal life insurance was designed with the express intention of combatting the venerable whole life insurance policy.
Are you looking for quality term insurance quotes? Have you determined how much you need? Do you know what type of term insurance is best for you?
In many cases it is a good idea to buy term insurance online. Some people know just how much life insurance they want to buy before they get online.