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Term Life Insurance Information - Learn More About Your Options for Life Insurance


Term life insurance is the most affordable and most economical type of life insurnace coverage you can buy, which is one of the reasons why it is a popular choice for individuals and families. It is very affordable for most situations and you can also tailor a policy based on your individual needs.

So what are the basics of term life insurance? It is temporary coverage that lasts for a certain amount of time, hence the name term. You can choose an annual term insurance policy, which can be renewed every year at the current market rate for your age and health, or you can get up to a 40 year term if you have a longer time frame in mind.

Another important factor when shopping for term life quotes is how much coverage you need. With term life you have a lot of flexibility there too. You can obtain as little as $25,000 worth of coverage or as much as $5,000,000 or more depending on your needs.

Term Life Insurance Quotes - Some Additional Options to Consider

Besides a tradtional term life policy, you can also add different riders and options to your policy, depending on your needs. One common variation is return of premium. This type of coverage will pay back all of your premiums if you outlive the policy. For example, if you buy a 20 year term policy and you don't pass away during those 20 years, the insurance company will send you a check for all of the premiums that you paid over those 20 years. The rate on this variation of coverage is higher, but it may be worth it to you if you consider that the majority of people outlive their term policy.

Another variation is no exam term life insurance. Traditionally underwritten coverage requires a complete medical examination to qualify. With a no exam policy, you can bypass this and qualify based on a health questionnaire and a background check by the company. The rate on this type of coverage is also higher because the company takes on more risk, but it may be right for you if you want to avoid needles or if you want to obtain a policy quickly.

Get a free rate comparison today if you are interested in these types of policies.

Not Looking for Term Life Insurance? We Can Still Help You Find A Policy

If you are not looking for term life insurance, then you may want to consider a policy with permanent benefits. Your options for permanent coverage are whole life insurance and universal life insurance. A permanent life insurance policy will cover you for the rest of your life, as long as you continue to pay your premiums. This type of policy also builds cash value over time. It is a great alternative to term life quotes and it can provide peace of mind in knowing that your coverage will never end.

Compare Rates Today - It's Fast, Easy and Free to Compare Quotes In Your Area!

The first step is to shop around. You can easily compare multiple rates from some of the nation's highest rated carriers in under one minutes. Rates can vary by as much as 70% from one company to another, so it definitely pays to compare! Get free competitive life insurance quotes today. Just fill in your zip code below and click to start your quote.