Which type of term life insurance fits your
needs best...
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No Medical Exam Term Life |
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1. Fastest turnaround
2. up to $250K in 15 minutes
3. no Medical Exam needed
4. Online
and simplified application
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Quote and
Apply instantly
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1.
Immediate
blend of term
life and
accidental coverage
2.
take medical exam in 6 months
to extend to full coverage
3.
Easier underwriting
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Quote
and Apply instantly
choose Fidelity plan |
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1. Best
pricing for healthy people
2.
Medical Exam required
3.
Start application with 10 minute
call
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Quote and
Apply instantly
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A
quick excerpt from one of our many
articles...just one way we empower the term life
insurance shopper.
More articles available at our
Site Map. |
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from "Why Term life Insurance" |
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....Whole
life insurance (and variable) is
something entirely different. The
risk of you triggering the benefit is
100% (assuming policy kept in force).
How can that be? Well, the premium
has to be significantly more (usually
around 10 times more) than term life
insurance for smaller amounts.
Here, the carrier is estimating that
they can take the 10 times premium
(let's say $150 per person for our above
example) and make enough money investing
that amount to pay out for everyone in
the group at a lesser amount. They
are essentially investing with your
money hoping to earn off this "float"
before needing to payout death benefits.
They also plan to pay your death
benefits with future money which is
worth much less (due to inflation, $1
today might be worth 60 cents 10 years
from now and 20 cents 20 years from
now). You're not
purchasing life
insurance to have money invested.
You are buying life insurance to protect
against a risk.... read
more
here
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New Articles recently added: |
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Purchasing term life
Term life rates
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insurance for seniors
and elderly
Term life to secure loan
Affordable term life coverage |
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