Term Life Insurance Quote
So you're ready to run your term life
insurance quote across multiple carriers with the best rates. This is
the page to do exactly that. Let's break down the page so we know how
The main quoting window is on the
right side. Let's walk through the entries.
First you would select your State of
Residence. This is important since life insurance rates vary by State
which reflects the fact that certain states have higher mortality rates than
Next, you will enter your Date of
Birth. Age is probably the biggest determinant of life insurance rates
so we need this data to accurately provide you with a baseline life
Gender would be the next entry.
Life insurance rates differ by gender specifically since mortality rates
differ by gender. On average, women live longer and this reflect in
the life insurance quote.
The next two items are very
important and we have many articles dealing with them. They are the
two main questions you need to ask when shopping for life insurance.
How much term life coverage and for what length of time. We advise you
to check out these life insurance articles before proceeding:
long a period of life coverage.
Tobacco use has a fairly signficant
impact on life insurance rates so you need to honestly answer here so that
you have a good sense of what your rates will be. Also, some carrier
penalize more than others and the system will automatically find the best
rates for smokers (which may be different than for non-smokers).
The remaining information is pretty
basic...name, phone, etc. We're not going to harrass you with phone
calls and emails. That's not our style. We will touch base to
find out if you have any questions and you'll be pleasantly surprised by our
polite and professional courtesy that operate with.
Towards the end is height and weight.
Height and weight has a significant effect on health and risk so this
information is critical. They life insurance company will record your
accurate height/weight during the paramedical so it's important to answer
honestly so that the correct rates will be reflected.
The last two questions are some
general health related questions that deal with more serious issues.
Even if you answer "yes" to one of these questions, don't look at it as a
deal-breaker. Continue through and we'll look for options that match
your health situation at the best possible rate. There's even no
medical life insurance plans that we can use a back-up.
That's it. It should take just a
few minutes to complete the form and get your instant online term life
insurance quote. We try to make every aspect of the life insurance
purchase this easy all the way through policy delivery.
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