What is term life insurance?
If you are new to insurance, you know, if you are buying life insurance for the first time, you may want to know what term life insurance is all about.
Your parents, a well meaning friend, or possibly one of your professors told you to buy some life insurance as soon as you begin to have some real responsibilities.
These people probably never told you, however, what term life insurance really is.
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Term life insurance is protection for your family, business or
other loved ones in it's simplest form.
You pay a small premium on a monthly, quarterly, half yearly or yearly basis and upon your death the life insurance company pays a lump sum or income to these loved ones.
In the case of business needs the proceeds of the policy is paid to the business or the surviving partners or shareholders.
You can buy your term policy in any amount you choose. It is, however, wise to use a life insurance needs calculator to help you decide how much life insurance you need.
Why is term insurance important? Term life is the cheapest form of life coverage you can buy. There are other very good types of life insurance but term is the cheapest.
Term insurance comes in many forms. Each is discussed here: Term Life Insurance
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