Term Life Insurance Quotes
Get a Quote »We offer term life insurance quotes online and direct from several affordable and highly rated carriers. If you are looking for a 20 or 30 year term insurance policy or any other length of time, then we can help.
Our instant quoting software allows you to compare prices from numerous well capitalized carriers. We also work directly with life underwriters to give you the most accurate quotes based on health and family history.
Online Term Life Insurance Quotes And Rates
We work with several highly rated insurance providers in order to offer our clients the best rates on term life policies.
We provide reliable overage that will protect your family and financial interests now and in the future.
We provide quotes from American General, American National, Aviva, Banner Life, Genworth, ING, Prudential, Lincoln Benefit, Lincoln National, MetLife, Minnesota Life, Mutual Of Omaha, Nationwide Insurance, Transamerica, and West Coast Life to name a few.
Several of our carriers allow for online enrollment so that our clients can easily purchase the amount of life insurance they need. We can help you determine a face amount that is most suitable for your current and future needs should you need any advice.
Compare Term Life Policies And Premiums Direct
The most common type of policy is level term life insurance. This type of policy offers a level death benefit that neither increases or decreases over time. In most cases, the premiums will be the same each year and are most affordable when paid on an annual basis.
Level term is usually purchased for 20 or 30 year time increments, but several insurance companies offer differing policy lengths depending on your needs. Of course, you can cancel your policy anytime or simply stop paying premiums if your financial situation has changed.
Decreasing term life insurance allows the insured to purchase a policy with a death benefit that systematically decreases over time. Premiums will be level in most cases, but less expensive than a policy with a level face amount. These policies are popular for those who are confident that their future financial obligations will be less – such as those paying down a home mortgage or with children graduating from college.
Annual renewable term insurance is the least common life policy and usually the most expensive. Policies can be renewed each year without proof of insurability, but the premiums will increase year over year while the face amount will stay the same.
Term Life Insurance Underwriting Practices
In order to receive the best rates for a term life insurance policy, medical underwriting will be required for most policies. You will not usually need to visit your doctor, rather a medical professional will come to your home or place of business.
In most cases, the examiner will record your height, weight, and blood pressure while also drawing blood and/or saliva. You will need to be tobacco free for at least one year with most carriers in order to qualify for a tobacco-free rate.
Simplified Medical Underwriting For Life Policies
Some carriers offer limited underwriting term life insurance policies should you not wish to undergo a full exam. In this case, you will only need to answer a few questions on the application, but you will find that rates will be higher for these types of policies.
Typically simplified underwriting type policies will have limits on the amount of coverage that can be purchased, so they are not as flexible as fully underwritten coverage. In most cases, $300-350,000 will be the maximum amount of life coverage available from any one carrier.
Contact Us
Our independent life insurance agency is located in Ohio and serves the entire U.S. Using the Internet, we have made it easy for you to find and purchase the most affordable term life insurance plans available.
Contact us for a consultation or to view your quotes today!
