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Instant Term Life Insurance Quote - The Benefits


Term insurance is an easy affordable way to protect your family. Term insurance is a life insurance product that is in effect for a period of time; usually 10, 20, or 30 years. Very often there is a simple medical exam required paid for by the insurance company, and you can receive an instant Term Life Insurance quote online through this site.


There are many reputable companies that offer term insurance so that is why it is important to search for the best product at the best price for you. This often requires working with an agent who can help match you with the best health insurance company for your health class.


The types of people who might choose term insurance would be a young professional with a family who wants to be sure the mortgage is paid off if something happens. Another example is a single working parent who wishes to protect her children in case something happens to her. Term insurance might also be the choice for someone who has limited income or wants to save money, because whole life insurance can be much more expensive. Some people may want insurance for a certain period of time and this product suits their needs too.


An instant online quote is the most convenient way to search for term life insurance. You can search at your leisure and compare one company with another to find the best fit for you. Many people don't like contacting agents because they are afraid they will be pressured into buying something that's not quite right for them. However, we do advise you to speak with an agent. And you can call 877-305-9083 to speak with a life agent who can guide you to the correct company. Working with an agent is no cost to you. The agent is paid through the carrier. In recent studies it is estimated that people who buy insurance without speaking to an agent pay 15% more than people who do speak with an agent. There are many websites that give you instant quotes and some of them let you purchase your life insurance policy online.


If you do not want to speak with an agent fill out the quote box above and you will be asked where you live, your date of birth and several medical questions that are pertinent to your life insurance quote. You can purchase your policy right online and be covered immediately. You always have the opportunity to speak to an agent either through chat or on the phone if you have any questions or concerns about the policy. The Instant life insurance quote online will ask your age, state, height and weight, and give you a quote from five or six different companies. You would then ask for an application and apply for the policy. Four common life insurance companies were American General, Lincoln National Life Insurance, ING Life Insurance, and Prudential Life Insurance Company. Remember, you also have the option to talk to an agent through this website by calling 877-305-9083 they can provide you with an instant term life insurance quote.

Term Life Insurance Underwriting Process

The terms "underwriting" and "underwriter" are typically heard when discussing the enrollment process for term life insurance. Aside from the ominous sound, what do these terms really mean? Let's take a quick look at the underwriter's role in applying for term life insurance.

Underwriting is essentially the process by which a carrier determines if you are eligible to qualify for term life insurance coverage and at what health class (which directly translates into "what rate"). The underwriter, in this sense, is the person who reviews your information based on carrier guidelines and practices (called underwriting guidelines in keeping with the theme). Your part of the process typically consists of completing the life insurance application and taking the paramedical exam. The evaluation of this information then falls to the underwriter, an employee of the carrier.

The bulk of factors that affect your eligibility status are pretty well spelled out in these guidelines. For example, these carriers will usually have an explicit height to weight ratio chart that determines health class along clear lines. Smoking (including type, for how long, and at what volume) is also pretty well delineated. These same guidelines will list a range of health issues with parameters for contributing facts such as how long sing/symptom/treatment free. Cancer is an example where type of cancer, severity (state in the case of cancer), treatment results, and time cancer-free will all be factored in.

Not everything is so black and white and the underwriter is the person that has to determine the shades of gray for an applicant's health status and history. Think of all the combinations of health issues and you see how a person needs to be involved. A person could only have high blood pressure which obviously is a concern, but much more so if found in conjunction with high cholesterol, obesity, and a family history of heart attack/disease. The underwriter is the person who tries to align your personal mortality risk with the carrier's health classes.

The underwriter uses information from your health questionaire on the application, family medical history listed, the results of your paramedical exam, and even outside information such as from the MIB (Medical Information Board). The MIB is an reposit of medical information shared and created by life carriers that they each access to verify information or use to detect potential fraud. For example, if you had a history of heart disease or left off information relating to this disease with another carrier, it might appear at the MIB. The underwriter may use all these potential sources within the framework of the carriers underwriting guidelines to establish your eligibility.

As the applicant, it's important to present all your information in an honest, complete, and direct manner. It does not serve your you well to get a better rate and/or approved with missing/false information only to have your coverage rescinded or benefit declined. We have seen this occur and it a horrible position to be in.

About the Author:
Dennis Jarvis is a licensed insurance agent concentrating on term life insurance. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.

Author: Dennis Jarvis

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