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Term Life Insurance Quotes


helps you obtain the best possible price.

Term Life Insurance protects for a specified-period and pays a death benefit only.  Term life insurance generally provides the largest protection amount for your premium dollar; however, this type of policy generally does not build up cash value.

Policy Benefits:

Term policies are the most Affordable type of protection.

This type of policy covers you for a term of one or more years. It generally provides the largest amount of protection and premiums are low compared to permanent  policies; due to the fact that term policies generally pay the death benefit only, face amount only, and builds up no cash value.  

Most policies are Renewable

Many term policies can be renewed even if your health has changed; however, premiums may be higher.

Ask what the premiums will be if you continue to renew the policy.

Ask if you will lose the right to renew the policy at some age.

Term policies are also Convertible without evidence of insurability.

Term policies can often be traded for a cash value policy during a conversion period - even if you are not in good health. Premiums for the new policy will be higher than you have been currently paying.  

Of Special Note

Because of Federal Triple X legislation, not all quotes found on the Web will offer you a guarantee for the term of the contract.

Caution: We urge you to notice the difference. 

For example, on a 20-year policy contract, only 10 of the entire 20 years may be guaranteed. Thus a $500 annual premium could turn into an $11,000 annual premium in the 11th year.

Policies are best purchased for temporary needs

If premature death should occur, salary replacement, funding of a child's education, or paying off a mortgage or other personal or business debt, would be examples of temporary needs. Another use would occur when the need for large amounts of  protection is apparent, such as a young growing family, and the ability to pay for life insurance protection is low.

Proceeds are paid to designated beneficiaries

Proceeds are paid to the designated beneficiaries in a lump sum unless otherwise elected by the insured while alive or by the beneficiary at the time proceeds are payable.

Term pay out options may be:

  • Payment Designated for a Number of Years with a guaranteed amount of each payment
        determined by an annuity table, generally not to exceed 25 years.
  • Payment Designated as a Life Income to the payee while the payee is alive of which the
        guaranteed amount of each payment will depend on the age and sex of the payee.

  • Payment of a Designated Amount, chosen by the payee, per $1,000 of proceeds, paid in
        equal monthly, quarterly, semiannually, or annually.
  • Proceed payments may be designated to be Left At Interest and interest may be paid
        monthly, quarterly, semiannually, or annually, as elected or may be left with the Company
        to accumulate.

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  • 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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