term life insurance you can afford, and we're not pushy!

  888.587.8511   FAQs I Customer Comments I Agent Brokerage
Term Life Insurance Quotes By Top Rated Companies


Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

Term Life Insurance what it is, how does it work- Instant Quotes, traditional - return of premium - no exam

Toll Free
888.587.8511  Mon.-Fri. 9-5 ET

Policy Service Phone Numbers

Top Rated Term Life Insurance Companies

See which company is most suitable for your needs

American General
First Colony
Lincoln Benefit
Lincoln National
North American
RBC - Liberty Life
Security Mutual
Union Central
U.S. Financial
West Coast
William Penn
More get a quote

Health Insurance Quotes!

Disability Insurance Quotes!

Long Term Care!

Life Insurance Guide

Business Life Insurance

Applications Underwriting Term Life Insurance Polices  

Paramedical Exam For Your Policy

Beneficiary Designation

Return of Premium Term  Life Insurance From:   AIG    Chase   Fidelity & Guaranty   Genworth

Estate Planning Info You Can Use

Life Insurance
Life Insurance is for the Living

License #'s: for Lewis Fink


Term Life America - Facebook 
Find us on Facebook

   Find us on Google+

Term Life America - Twitter  Follow us on Twitter


Term Life Insurance by Top Rated Companies
More term companies equals the best opportunity to obtain the lowest term quote!

Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
Personalized Tele-Application for All Companies, Right Over the Phone!
 For the serious shopper who would like a seasoned professional to assist them-
"how term life insurance works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life insurance" will be explained on this page.

Cash Value Life Insurance Types


Cash value life insurance accumulates savings.

Through cash value life insurance, millions of individual life insurance policyholders have accumulated savings while providing financial protection for their families and businesses.

Life Insurance Companies pool the savings portion of a cash value life insurance policy, which in turn is brought back into the general financial economy in the form of investments.

Cash value life insurance is one of the largest thrift institutions in America.

Other thrift institutions that parallel cash value life insurance are; savings and loan associations, savings banks, and commercial banks.

The savings element of a cash value life insurance policy is present in insured pension plans and some group cash value life insurance. However, most of the savings of cash value policies are accumulated in individually owned cash value policies.

Cash value life insurance premiums are higher at the beginning.

Cash value life insurance premiums are higher at the beginning than they would be for the same amount of term life insurance. The part of the premium of a cash value life insurance that is not used for the cost of insurance and expenses is invested by the company and builds up a cash value that may be used in a variety of ways.
  • You may borrow against the life insurance policy's cash value by taking a policy loan from the cash value.

  • You can also use your cash value life insurance to increase your income in retirement or to help pay for needs such as a child's tuition without canceling the life insurance policy. However, to build up this cash value, you must pay higher premiums in the earlier years of this type of life insurance policy.

Cash value life insurance may be one of several types: whole life, universal life and variable life. All of these are types of cash value life insurance.

get a quote Term Life Insurance
get a quote Cash Value Life Insurance
get a quote Whole Life Insurance
get a quote Universal Life Insurance
get a quote Variable Life Insurance


Get term life quotes from TermLifeAmerica.com-
Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

<Return To Previous Page>