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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.

Types of Life Insurance

There are different types of life insurance policies available. Shop around and compare policies to ensure that you receive the best deal possible. This sounds obvious, however, there are dozens of different types of life cover plans available and it is important that you select the right one for your circumstances.

Life Insurance is insurance that provides protection against the economic loss caused by the death of the person insured. There are several types of Life Insurance, each having different characteristics. Some of the key types of Life Insurance are: Term Life, Whole Life, Burial Insurance, Survivorship Life, Universal Life, and Variable Life Insurance. Outlined below is a useful description of each type:

Term Life Insurance

Term Life Insurance is the lowest cost and simplest product available. Term insurance is a life insurance contract that provides protection for a limited number of years. The death benefit is only payable if death occurs during the agreed-upon term. There are various types of Term Insurance Life Policies:

Level Term Life Insurance

means that your premiums are set at a level at the beginning of the contract and do not move up or down. The sum assured will remain the same throughout the term.

Increasing term insurance

This is a fixed term policy where the sum assured will increase, either by a set percentage or by the Retail price index (RPI) throughout the policy term. Your premiums remain level throughout the term if the sum assured rises by a set percentage, or will rise according to the RPI if the sum assured does the same.

Renewable term insurance

This is policy lasting for a smaller period, usually five years, which can be renewed, although the sum assured cannot be increased, whilst the premiums will increase with age.

Renewable increasable term insurance

is the same as above but provides for an increasing sum assured.

Convertible term insurance

provides the option to convert parts of the sum assured to whole of life, endowment or further term assurance without further medical evidence. Decreasing term insurance

is where the sum assured decreases over time; hence, the premiums are set lower. This is commonly used to cover a mortgage.

Whole Life Insurance

Life insurance that remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance also builds a savings element (called the cash value) as a result of the level premium approach to funding the death benefit.

Burial Insurance

Burial Insurance, or Final Expense Life Insurance, is essentially a whole life product with small face values. The application process is simple and does not have the associated medical requirements of other policy types. This type of life insurance is also referred to as a simplified issue or guaranteed issue policy.

Survivorship Life Insurance

A type of whole life insurance which insures two people and pays benefits only after the second person dies. It is generally designed to provide funds to pay estate taxes.

Universal Life Insurance

An unbundled whole life insurance product in which the mortality, investment, and expense factors used to calculate premium rates and cash values are expressed separately in the policy. In a universal life insurance policy, any applicable expense charges are deducted from the premium and the remainder of the premium is then credited to the policy's cash value. Each month the insurer deducts the mortality costs from the cash value and credits the remainder of the cash value with interest.

Variable Life Insurance

A form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of a separate account fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum. A minimum cash value is seldom guaranteed.

You may freely reprint this article provided the author's biography remains intact:

About the author: John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the www.directonlineloans. co.uk website.

Author: John Mussi

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