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.

Additional Considerations For Life Insurance


Regularly review your life insurance coverage!

Reviewing Your Life Insurance Coverage

Regularly review your term life insurance coverage, or your family could find themselves disappointed, frustrated, and in a financial crisis at a time when you are no longer with them. Changes like family circumstances, marriage, divorce, and the birth of children should key in a review of your additional needs. All current life policies should be reconsidered. Coverage amount will need to be re-adjusted and beneficiary changes may also be in order.

Also, review these new events as to the impact on your financial situation. A new mortgage or mortgage payoff, receiving an inheritance, or starting a new business, all require an adjustment in your level of life insurance.

Buying The Correct Amount Of Life Insurance

We all have our own particular needs. Depending on your age, whether you have children, what you earn, what your spouse earns, or how much money you have saved. Also important are the amount, type and duration of your obligations -- home mortgage, college education, plus other loans and obligations.

The key starting point is to estimate how much income your family will need on an annual basis and how long your family will be dependent on this income. Once this is determined you can calculate the amount of insurance that will be needed to generate the required income for the desired period. Inflation must be considered in your accounting.

get a quote  Calculate your life insurance needs HERE!

Postponing Life Insurance Purchases

The cost of life insurance is dependant on two factors, your age and your health. Premiums are calculated on your age and your health condition at the time of application for insurance is completed. Money alone is not enough to purchase life insurance. If you need life insurance do not postpone your purchase decision you may not be able to obtain the required coverage in the future.

Consider Insuring Your Spouse and/or Children

n reviewing your life insurance needs you should consider the effect the potential loss of your spouse would have on your family's finances.              

The unexpected death of a spouse or child can and will effect your family's finances. Spousal income replacement must be considered. If your spouse is not employed, additional cost such as child care will come into play. In either case, in reviewing your life insurance needs you should consider the effect the potential loss of your spouse would have on your family's ongoing finances.

Consider your children. A small amount of life insurance coverage is advisable to cover potential funeral costs. One might also want to consider the low cost of buying life insurance on children. They will need life insurance in the future and their health condition or ability to pay the premium for amounts needed may make buying life insurance on children a smart long term financial choice.



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