The phrase term life insurance company might imply, to some
people, that there are life insurance companies that sell this type of
product and no other.
Such a conclusion is very far from the truth. There may be agents that sell solely term insurance but not life insurance companies.
What these companies may do is to specialize in selling term but if a client desires other types of life insurance or other types of insurance in general they may be available from a so called term life insurance company.
Some companies sell life insurance, disability insurance and annuities only. Others cover just about every conceivable type of insurance.
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No life insurance company sells only term life policies so there is really no such thing as a term insurance company. They all sell term insurance though.
The whole idea of attempting to focus on a specific type of insurance was born out of what turned out to be a very powerful movement with what appeared to be a goal of getting people more bang for their dollar.
As term insurance is considerably cheaper than permanent insurance people are therefore able to buy larger amounts of this type of life insurance...
The goal in fact may have been one that brought the owners of
the companies more business. Regardless of the motives of this movement
the public benefited and that is all that really matters.
A company that would call itself a term life company still shows growth...and rapid growth at that.
It is to the benefit of the reader to note that the companies that sell all types of
life insurance policies
are growing at an even faster rate.
It would seem to me that one of the reasons for this is that there are many people who find other types of life insurance like whole life insurance, universal life insurance, variable universal life insurance and variable life insurance very useful.
A truly focused term insurance company would, therefore, not make any sense.
Disability insurance and long term care insurance are becoming very popular with the general public and should not be ignored. Life insurance companies are even getting into serious investment plans apart from annuities which they have always been involved in...
They have bought investment companies with the sole purpose of providing good solid money growth for their clients such as
A term life insurance company...selling solely term insurance?
I don't think so. A company that categorize themselves as a term life insurance company may specialize in selling term but they do sell all types of life insurance.
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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.
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.
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.
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.
Key employee life insurance is really a necessity.