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Term Life Insurance Quotes

Guest post by: John Clark

Article Overview: Anyone who has researched the massive world of life insurance has been clued in to the heated debated regarding which type of life insurance is better: whole life insurance or term life insurance? The real issue at hand is not which life insurance offer is better, but which insurance policy works better for your particular financial needs and desires and can offer you the best security and protection for your family’s financial future. Over 55% of American families do not currently have life insurance, leaving the financial future of their loved ones to the winds of chance. Truthfully, life insurance is just too affordable and beneficial to avoid and should be a major focal point for men and women who need to ensure their families will always be provided for.

Term Life Insurance Quotes

Anyone who has researched the massive world of life insurance has been clued in to the heated debated regarding which type of life insurance is better: whole life insurance or term life insurance? The real issue at hand is not which life insurance offer is better, but which insurance policy works better for your particular financial needs and desires and can offer you the best security and protection for your family's financial future. Over 55% of American families do not currently have life insurance, leaving the financial future of their loved ones to the winds of chance. Truthfully, life insurance is just too affordable and beneficial to avoid and should be a major focal point for men and women who need to ensure their families will always be provided for. Term life insurance offers a plethora of benefits: it is affordable, relatively easy to obtain, surrenders a lump cash sum to beneficiaries and provides security and confidence to those who own it. There are different kinds of Term Life Insurance policies, each with their own specific strengths, rates and benefits. Below are real term life insurance quotes from some of the biggest names in life insurance. Rates have been quoted for a female, age 40 who is a non-smoker, in considerably decent health and is wanting a $500,000 life insurance policy. Remember, life insurance quotes vary depending on sex, age, weight, height, health, and the term of the insurance policy, premiums and the type of policy chosen.

10 Year Term Life Policies

• Genworth Life and Annuity - $24.04 per month. Premiums must be paid on time each month in order to keep the cash value secure. The policy can be extended up until the member reaches the age of 120

• Reliastar Life Insurance Company - $24.33 per month. Premiums must be paid on time each month to keep the cash value of the plan secure. The plan cash value can be exchanged until the member reaches the age of 70.

• American General Life Insurance - $26.60 per month. This policy can be renewed and extended up until the member reaches the age of 95 where the premiums will increase. A child benefit can be added to this policy for an additional $50 per year.

20 Year Term Life Policies

• United of Omaha - $40.67 per month. This policy is guaranteed to be renewed each year at the initial premium price until the member reaches the age 95.

• Lincoln National Life Insurance - $41.56 per month. A child rider can be added to this policy for $5 per $1,000.

• TransAmerican - 38.85 per month. An additional child rider can be added for an annual fee of $50. The policy can be annual renewed at the original premium rate until the member reaches the age of 70. The second renewed premium fee of $30 will be waived for all members who have paid their premiums on time.

• Fidelity Life Insurance Company - $62.64 per month. This policy requires members to take a medical test and pass some general health questions. The initial rate is guaranteed for 20 years. This plan does not come with the availability of a child rider.

• Prudential Life Insurance Company - $71.10 per month. This policy can be exchanged or transferred into a permanent policy until the policyholder reaches the age of 65. A child rider can be added to this policy for $5.11 per $1,000.

Term life insurance varies from policy to premiums to the available benefits and renewability. Different companies offer a wide variety of options available for members. Term life insurance offers flexibility, affordability and diversity for each individual member. Be diligent in researching the ratings of each company to ensure that your Term Life Insurance policy is backed up by a finically secure company that offers you and your family the financial security needed to live out your life knowing that you have established a foundation of comfort, confidence and financial wellbeing.

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Article Tags: american families, best security, desires, financial future, focal point, insurance, insurance policy, issue at hand, massive world, men and women, term life insurance, whole life insurance, winds of chance
Referred by: http://www.franchisefix.com/



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