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Term Life Insurance

Term life insurance is an affordable, adaptable type of insurance that everyone should consider, at least for certain periods of his or her life. Term life insurance offers protection for your family when they need it most, without locking you into a lifetime commitment. When you have decided that term life insurance is the type of plan for you, a free online quote tool like ours will provide you with a variety of competitive quotes from top companies offering term life insurance.


Term Life Insurance Defined

Term life insurance is life insurance that you take out for a fixed number of years, usually 5, 10, 20, 25 or 30 year terms. This type of policy will pay out benefits in the policy amount if you die within the term of the policy. If not, you may sometimes be able to renew the policy at the same rate. The typical exclusions with any type of life insurance are suicide within the first 2 years of a policy and fraud.


Reasons To Choose Term Life Insurance

Term life can be purchased for the period of your life that you need it most. If you have a family, mortgage, business or heavy debt, you need term life insurance to protect your family from undue financial stress, in case you die. If none of the above situations apply to you, you may not need life insurance at all, certainly no more than the cost of funeral expenses and estate costs.

Term life insurance is usually much more affordable than whole life insurance. The fact that people are living longer and are healthier means that most term policies, that are taken out to cover mid-life when obligations are highest, will never have claims made on them. Because most do not pay out claims, it makes the premiums for term life much more affordable. Whole life insurance policies will definitely pay out death benefits, therefore premiums are necessarily higher.

Term life insurance rates have dropped in recent years, for a variety of reasons. If you have term life insurance already, you may want to shop around for rates again; they may be better than the prices you already pay.


Term Life Insurance Quote

When you are ready to get your term life insurance policy or even if you are just curious about what it really costs, take advantage of our free online tool at the top of this page. In no time, you will have a variety of quotes from top life insurance companies to compare and contrast.

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