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Get a term quote online - Want the a great price on guaranteed level term life insurance. After clicking on the link look in Individual/Family Health and Life. There is drop down list with term life insurance.
The purpose of life insurance is to provide monies to a wife, husband, children, relatives, estate, business associates or others. It usually replaces lost income in a family, buys out an interest in a business or pays estate taxes so that assets such as real estate do not need to be sold.
Life insurance that provides insurance without any accumulation of funds is known as term life insurance. Life insurance that has additional funds accumulating would be universal life or some form of modified whole life insurance.
Term Life InsuranceTerm life insurance is usually issued today with some period of level premium. The time period might be 5, 10, 15, 20 or 30 years. The premium for the insurance would remain level for the period chosen. There are also variations of this that give a period of fixed guaranteed premium then you might get that premium for longer or you might get the higher, usually much higher premium. These are often marketed as a 20 year level plans, however the guarantee is really only 10 years. Be very careful, to ask about the guarantee period.
RatesLife insurance rates depend on many factors. Factors include age, sex, smoking habits, past and present health history. The progress of medical science has helped the life insurance consumer a great deal. Today, we live longer, healthier lives. Illnesses that were fatal only a few years ago are now being treated. Some of the Life Insurance companies, realizing that some risks have declined, have made adjustments in their rates and plans that give the consumer more for their money. Some companies have lowered their rates.
You really won't know what your rate will be until your policy is underwritten. As you will see when you receive a quote, it will have rates for many rate categories. The first thing that has to be done is apply and see what offer the insurance company makes you. You can then accept, decline or modify your insurance request based on a real offer. An application for life insurance can be made with or without submitting a deposit. Here is where an experienced agent can really benefit you.
New Beneficial Features
Changes have been made in life insurance plans to help the insured as his/her family when they need the help. There are life insurance plans that will pay all or part of the death benefit to the insured if diagnosed with a terminal illness. This can provide monies for health care, family expenses or a trip. The monies can be used for any purpose. This is now available as a plan feature, which is far more beneficial to the insured than selling the death benefit at a discount.
Term life insurance can be quoted with only your age and sex. Please e-mail the information and quotes will be e-mailed back to you.
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John K. Arnold
Florida Health Insurance
Group, Employee Benefits & Individual Health Insurance Specialist
Website Address www.floridahealthinsurance.com
E-Mail:
John K Arnold
Phone: 407-592-0311 (Best number to reach me)
Phone: 407-830-0259
Fax: 407-386-7053
If outside the US, it is best to e-mail as we can respond more
quickly. Thanks.
Let me know how I can help you.