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Term Life Insurance by Top Rated Companies
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 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.

Finding Value In Term Life Insurance Policies



After you have decided which kind of term life insurance is best for you, compare similar term life insurance policies from different insurance companies to find which one is likely to give you the best value for your money. A simple comparison of the term life insurance premiums is not enough. There are other things to consider.

Questions to ask while comparing Life Insurance Policies

Do the life insurance premiums or benefits vary from year to year?

How much cash value builds up under the life insurance policy?

What part of the insurance premiums or benefits are not guaranteed?

What is the effect of interest on money paid and received at different times on the life insurance policy?

Once you have decided which type of life insurance policy to buy, you can use a cost comparison index to help you compare similar insurance policies. Life
insurance agents or companies can give you information about several different kinds of indexes that each work a little differently. One type helps you compare the costs between two insurance policies if you give up the policy and take out the cash value. Another helps you compare your costs if you don't give up your insurance policy before its coverage ends. Some help you decide what kind of questions to ask the insurance agent about the numbers used in an insurance illustration. Each index is useful in some ways, but they all have shortcomings. Ask your life insurance agent which will be most helpful to you. Regardless of which index you use, compare index numbers only for similar life insurance policies -
those that offer basically the same benefits, with premiums payable for the same length of time.

Remember that no one company offers the lowest cost at all ages for all kinds and amounts of life insurance. You should also consider other factors:

  • How quickly does the cash value grow? Some life insurance policies have
    low cash values in the early years that build quickly later on. Other life insurance policies have a more level cash value build-up. A year-by-year display of life insurance values and benefits can be very helpful. (The life insurance agent or company will give you a policy summary or a life
    insurance illustration that will show benefits and premiums for selected years.)

  • Are there special life insurance policy features that particularly suit your needs?

  • How are non-guaranteed values calculated? For example, interest rates are important in determining life insurance policy return. Within some life insurance companies, increases reflect the average interest earnings on all of that company's insurance policies regardless of when issued. In others, the return for life insurance policies issued in a recent year, or a group of years, reflects the interest earnings on that group of insurance policies; in this case, amounts paid are likely to change more rapidly when interest
    rates change.

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.

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