Term Life Insurance
Term Life Insurance plan provides you with the coverage at a fixed rate of payments for a limited period of time or Term.
Term life insurance is used primarily for income replacement in the event of the death of the insured. For example, a person may choose to purchase term insurance that expires near retirement age, working under the assumption that by the time they’re ready to retire, the individual would have the financial means to provide for their dependents when they pass on..
When Term Life Insurance is the best option for you:
- Children education
- Loans and other debts
- Financial support for your beneficiaries when you pass away
- Funds to cover financial obligations, and pay other expenses
- Capital gains taxes or Probation tax on your assets (property, investments, etc.)
Term life insurance is simple to buy and easy to afford, making it the ideal way for young families to get the financial security they need.
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Term Life Insurance | Traditional Life Insurance
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Term Life Insurance Advantages:
Short-Term Needs CoverageTerm Life Insurance is a perfect solution for covering temporary obligations, like mortgage, bank or personal loans, renovation or future medical expenses, etc. Many people purchase Term Life Insurance policy that pays off your home in the event of your death
AffordablePremiums are typically lower than for other types of life insurance, making term life insurance a good option if you have a growing family. With Term Life Insurance, you can purchase the amount of life insurance that you need without paying more than you can afford. This is especially true when you are young and need a great deal of insurance to protect your family
SimplePremiums and coverage are guaranteed for your entire term. Plus, you can renew your policy at the end of your term. With Term Life Insurance policy, you are buying pure death protection without equity. It’s cheap and doesn’t have a lot of complicated variables
FlexibleChoose any term from 10 and 40 years. If you pass away within this time period, your beneficiaries receive your policy benefit tax-free. Also, with Term Life Insurance, you can separate your life insurance from your investments. The famous “Buy Term and Invest the Difference" philosophy has become increasingly more popular in the last 20 years
ConvertibleConvert your Теrm Life Insurance policy into permanent or universal life insurance until you are age 71, without health questions or a medical exam. Most term policies offer conversion options allowing you to exchange your term life policy for a more permanent policy without proof of health. This option can be invaluable if you develop a health problem or can no longer medically qualify for life insurance
Word of advice:
Facts & Statistic - Best insurances for everyone.
I have been in the process of dealing with another well-known insurance company when after over 5 months of waiting for my quote and being very frustrated with the process, I decided to look at other avenues. I visited this site and took a chance, asking for a quote. I am a smoker, have a number of medical conditions and was rated and declined in the past. So, in my case, getting a life insurance was tricky and quite expensive. Following my meeting with an advisor, he worked hard and diligently in getting me the best quote right at the meeting, not just giving me a chance of being insured and taking care of my family, but also saving me over 60% a month on what I was quoted from the other company (a quote which took them 6 months to get to me!).
Unfit for the Traditional Life Insurance
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Deaths per year caused annually by Heart Attack & Stroke
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