Our Agency
gives you the information you need to make your term life insurance
decision with confidence. We provide you information from the leading
life insurance companies. We provide instant term life insurance quotes,
online insurance applications, and online customer service. We give you
simple instructions, and competent and qualified staff to respond to
your needs over the net or over the phone.
It has never been easier to purchase term life
insurance. For more information please visit Our Company page. Our
extraordinary carrier database means more choices for you and you can
rest assured that you can purchase for the lowest premiums available.
Term life
insurance is an insurance policy covering a person's life for a
specified number of years. It is often offered with a guaranteed premium
for a particular number of years. Term life does not have accumulated
cash value. Accumulated cash value generally is the distinction between
term life insurance and whole life or universal life insurance. Cash
value policies are initially much more expensive than term life
insurance policies for the same amount of coverage.
Term life
insurance is very much like many common commodities in the market place.
It is a product that varies very little from company to company.
Generally the biggest difference in the product is the price. So that
you can choose between many different companies and see the price
difference, we provide you a comparison of approximately 25 of the best
rates for your age from America's 175 top-rated companies.
Our Agency only quotes from companies with an A.M. Best rating of A- or
better. As a result you will be selecting from insurance companies that
have been assigned a superior rating of A- or better from the leading
independent insurance company rating service... A. M. Best. All you
have to do is to decide the amount of life insurance you need and how
much you want to pay
Our Agency
understands that each person has individual insurance needs. There is no
set rule as to how much insurance you need to purchase. You need to
decide how much life insurance you want to leave your dependents to
carry on in your absence. You have to decide how much support you wish
to provide. Many financial planning experts recommend 10 to 20 times
your annual earnings. For business life insurance the amount is often
even more. For many the answer is simply the amount makes you feel your
family is safe.
Life Insurance Calculator
The annual replacement income
your family will need if the insured dies
prematurely (before-tax).
The number of years replacement income is needed by
the beneficiaries.
Estimated average annual interest rate that
can be earned on invested life insurance proceeds.
The Estimated
average annual inflation rate. (Historic
rate for last 10 years has been approx. 3 %)
The amount of life insurance
needed based on your estimate is...
A level rate
guarantee simply means that your premium will not change for a
guaranteed period of time. This period of time generally ranges from 5
to 30 years. Our Agency recommends that you purchase
a level rate guarantee for the period of time that you intend to keep
the policy in force.
Our online quotes are for annual term life insurance premiums. Annual term
life insurance premiums are the lowest rates the insurance company
offers. However, you may instead pay for your term life insurance
premiums on a check-a-matic (monthly), quarterly, or semi-annual basis.
These payment options are slightly more expensive than those on an
annual basis.
The insurance
company cannot begin underwriting your policy until you have completed
your free medical exam and they have received your signed application.
Generally it takes three to four weeks to complete this process. If the
insurance company has to get your doctor's records it will generally
take 4 to 7 weeks since the insurance company has to depend upon your
doctor's promptness in providing them the records they need.
