Term Life Insurance Quote
Term Insurance Policies Compared
Term life Insurance Quote. 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
There are some changes made recently in the structure of the policy
itself but these would not have any dramatic effect on the term life
The change that would be an eye opener is the lower
premium for many policies...
Life insurance companies
are jockeying for position. Business has been good with them and most
are financially strong. They not only want to continue making a profit
they also each want a larger share of the pie.
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Since a large sector of
the population feel that term life insurance is the best buy many
companies have been forced to rethink their policy and pay more
attention to bettering the
term insurance policies.
Get a term life insurance quote for the major term policies and you will see that they are
than ever before.The most sold term life insurance policies are the
decreasing term life insurance policy, the yearly renewable term policy,
5 year term policy, the 10 year term policy, the 20 year term policy
and the 30 year term policy.
Though they function differently the
consumer can't seem to wait to own one or the other. These are the
policies for which most people request a term life insurance quote.
Let us look at them again and try to figure out why there is
so much interest. Why would they want a term life insurance quote on
these specific policies.
- The Decreasing Term Life Insurance Policy
This can be considered a champion of a policy for the
homeowner. Buying a house is for most people the largest investment they
will make in their lifetime.
It would be sad to see this investment go
down the drain because of the death of the homeowner. It would certainly
be more satisfying a solution to see the house end up free and clear in the hands of loved ones. Wouldn't it?
Although many of the popular term policies can do the trick the
decreasing term policy
was designed for this purpose and would do a great job in
paying off the mortgage.
The face amount of the policy decreases each year while the premium
That is why when people think mortgage they think
decreasing term. If you have a mortgage it is advisable to get a term
life insurance quote or two on this one.
- The Increasing Premium Term Life Insurance Policy
If you have a short term need for life insurance you should look at a term life insurance quote for the
increasing premium term life insurance
policy. It is also known as the yearly renewable term policy or the
annual renewable term policy.
This policy is in reality a one year term
policy for an individual at a specific age. The premiums charged are for
a person in a specific state of health at that particular age. They are
The following year that same person would pay a higher premium.
Why you say? The fact is that the insurance company has charged rock
bottom premiums for the first year.
Because the insured will be one year
older the likelihood of that person dying is greater than it was the
previous year. The insurance company is again charging rock bottom
premiums but for a person one year older...
The year after that the premium again increases. There is an
increase every year thereafter. Through all this the death benefit
remains level. Why would people buy this policy?
They do because in the
initial few years the premiums are as low as a life insurance policy
premium can get. If you are strapped for cash and need some life
insurance get a term life insurance quote and check it out for yourself.
- The 5 Year Level Term Life Insurance Policy
inexpensive term life insurance
policy that is worth the effort, on your part, to get a term life insurance quote for is the
5 year term policy.
The reason people buy this policy is again for it's very low premiums.
The problem it only lasts for 5 years.
At the end of 5 years that is the
end of it. You do, however, have the option of converting to a
permanent type of life insurance if you still have the
need for life insurance
at that time.
As it is likely that you will still need life insurance
you should make certain that you convert before the 5 year period is up.
The death benefit remains level and so do the premiums.
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- The 10 Year Level Term Life Insurance Policy
It used to be when you just had to have some
but did not have the money to pay for
permanent life insurance
you would buy a
10 year term policy
intending to convert it later on. This is, in true form, very
cheap term life insurance.
If you need some life insurance to
protect your family
in the event of your death you buy some 10 year term. The businessman
who needs a floating debt policy in case he should die before the bank
is repaid often use a 10 year term policy. This policy has a level death
benefit as well as a very low level premium.
- The 20 Year Level Term Life Insurance Policy
You know when something is just right, don't you? Many people who buy life insurance think the
20 year term insurance policy
is just right. When they see their term life insurance quote they
realize that the guaranteed level face amount which lasts for 20 years
is just right. The low premium is more often than not just right for
This policy is used to
provide an income
or a lump sum for a family in the event of the death of the breadwinner. It is many times used to fund a
of a corporation die prematurely.
- The 30 Year Level Term Life Insurance Policy
Even though the
30 year term policy
is a little more costly than the 20 year term it is still quite popular
because you get an extra 10 years of level death benefit as well as, in
some cases, a level premium. You are 25 years old, you have a good job,
you own a house and are about to get married. You have been fairly
successful with your investments...
As there is a likelihood you will also have children in the near
future you buy a 30 year term policy and lock in the low premiums
because of your young age. It has a level death benefit and your
premiums also remain level for the duration.
Would it not be wise to get a term life insurance quote on the 30 year policy?
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