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Please
Choose From The Following 2 Quoting Options . . .
Option
1
- Select the following
option to get Instant, Accurate Quotes now.
To Get A Free Instant Term Life Insurance Quote
And Application Request Online -
The
instant term quotes
you receive through our network will have a higher degree
of accuracy than most online quoting services. The reason
is that many companies will only present "preferred"
rates. Their rates often times do not take into account
minor health conditions or height/weight ratios, that may
not fall within the underwriting guidelines needed in order
to qualify for a "preferred" policy. As a result,
policies are seldom issued at their unrealistic premium
projections.
So, when a quotation is personalized, based on YOUR OWN
INDIVIDUAL HEALTH PROFILE, You will find the quotation to
be much more realistic!
To
get your personal, online quotes
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After you have found the best policy
to fit your needs, you
can request an application using the easy application request
form.
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Option
2 -
Select the following
option if you would rather
have multiple, comparison term quotes prepared for you and
sent via e-mail, fax, phone or delivered to you personally:
To
start, to get free, no obligation, multiple quotes (prepared
for you).
Be assured,
you are quite possibly just moments away from receiving
a discount of up to 65% in term insurance premiums.
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Term
Life Insurance - At A Glance!
What
is the basic function of this type of lifeinsurance?
It provides coverage for a period of one or more years, and is
designed to provide a specific benefit (face amount) for a stated
amount of time.
Is
termlife the best type of policy for my needs?
The majority of policy holders are individuals with limited income
and high short-term needs, entrepreneurs covering a business loan,
or for those seeking personal family protection.
How
affordable are termlife rates?
Generally, it provides the most protection for the lowest premium
dollar spent.
Should
I consider "level" term?
Possibly! Premiums do start out slightly higher, but they remain
the same for several years. If you're looking for a low cost product
that will pay off your mortgage upon death, consider "level"
over "decreasing."
What is the difference
between renewable and convertible?
At the option of the policyholder, renewable term lifeinsurance
allows you to renew a policy at the end of each period without
evidence of insurability. Generally, the premium increases at
each renewal in correlation with the age of the insured.
If the contract has a convertible feature, you will have an
opportunity to exchange or convert your policy for permanent
coverage without evidence of insurability.
It is to your advantage,
to make certain that your policy is renewable and convertible.
Does this form of
coverage provide a means for cash accumulation?
Typically, termlife does not build cash value. Therefore, should
the policy be surrendered, the policyholder will not receive any
cash.
When are benefits
paid out?
A death benefit is only paid, if the policyholder dies while the
policy is in force.
Are
early benefits available should I become terminally ill?
There are some policies that provide early benefits, if the policyholder
becomes terminally ill.
What
is the best method of payment?
The annual payment option is always best. Remember that you are
charged for the convenience of monthly, quarterly or semi-annual
payments.
How
much lifeinsurance do I need?
While each person's needs are unique, there are a couple of simple
guidelines.
Personal family protection? You will need a high enough face amount,
so if you should die, the proceeds will be ample to take care
of your family.
Covering a key man (or women) in business? Based on how much
the business would suffer financially from the loss of a key
employee, you should be able to simply calculate the amount
of money that would be needed to compensate for such a loss.
What do I need to
remember when shopping for lifeinsurance?
Depending on your needs versus your budget, you may want to buy
termlife first. After all, you can usually convert to permanent
insurance, but you generally cannot convert a permanent policy
to a term contract.
Compare costs and benefits,
but make certain the companies you consider are financially stable!
An agent / broker can assist you in making this determination.
( for a term life insurance quote.)
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