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Term Life Insurance Specialists

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Beyond Quotes has many years’ experience in providing instant Term Life Insurance Quotes in addition to unbiased information and guidance on every aspect of life insurance and the companies that provide it.

The quotes that we provide are from the industry’s most renowned life insurance carriers, including Genworth, AIG, Transamerica, North American, Lincoln National, Banner Life and many more besides.

If you have been solicited by a local agent working on behalf of Allstate, State Farm or Farmers, etc, you owe it to yourself to compare quotes from other providers who are in competition with each other and who don't rely on a local agent's charisma to make a sale. It is common to make savings of over 40% this way.

Buying a Term Life Plan for the First Time?

If you are considering purchasing an insurance policy, there are certain things that should be taken into account before contacting an insurance agent. By preparing yourself with a basic knowledge of the industry, you could potentially save a considerable amount of money further down the line. Do some research and help ensure that the policy you end up with meets your personal requirements, not the interests of an insurance agent who is looking for the best commissions.

“When is the best time to buy insurance? How much coverage do I need? Is the whole-life investment product worth the high rates? What's the difference between term life and universal life insurance? Is it best to buy online or through an agent?” Buying insurance of any kind is a big decision that's not to be taken lightly and most people have questions they want answered prior to buying insurance.

We hope to help our visitors by answering some of the more frequently asked questions regarding term and whole life insurance. Robert Skolnik, much televised insurance expert, CLU, and contributor to several insurance journals - has compiled his top-ten tips to help the uninitiated in purchasing their first policy, or to help those renewing a policy get a better deal this time around…
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Term Life Insurance for Seniors

Senior citizens can buy a policy even at the age of 80. It is often witnessed that how senior citizens underplay their chances by thinking that they cannot buy insurance at such an age. They take it as an opportunity lost. This is not true. There are insurance products specifically made for senior citizens above the age of 70 and more.

Once you reach eighty years of age, you can still qualify for life coverage, albeit with a slightly more stringent underwriting process.

It is true that there is a higher mortality rate in those aged 65+, but underwriters calculate the risks and the laws of probability, in order to produce the fairest quote given an individual’s age and circumstances.

Insurance companies' entire existence depends upon their being able to calculate the variables involved in life expectancy, and once they arrive at a situation whereby these variables are controlled then they will make a wager of sorts upon an applicant’s insurability.

If you are interested in buying a policy in your 80's or 90's, there is a range of options available to you, including burial insurance, term and universal plans. You can find all the information you need in these pages should you or a loved one need the security that insurance offers in later life…
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Term Life Insurance for Smokers

Are you a smoker applying for insurance? The more you understand about the underwriting process and smoking, the more likely you are to save money on your policy application.  Don’t be fooled into thinking that you can lie about your smoking habits when taking the paramedical exam. The process of defining your smoking habits is getting more stringent with each successive year.

The same applies to marijuana smokers. Policy applications are undertaken with the utmost confidentiality and your details will not be forwarded to any third parties or the authorities. Recreational marijuana use is practised by a large demographic which transcends gender, class, age and race. We have put down important information on marijuana and life insurance in order to educate our audience and make them aware of the underlying situation
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Term Life Enrollees and the Paramed Exam

Everybody who applies for standard coverage has to take the paramed (or paramedical) examination. This is a necessary method of ascertaining your physical fitness as part of the underwriting process, in order to categorize you for a particular premium rate. All results are confidential and used solely for the purpose of your life insurance application.

You will be required to give blood and urine samples as part of your paramed exam in order to test for blood sugar levels, blood alcohol levels and nicotine levels, should you be a smoker. This assists the underwriters in assessing your current level of fitness and future fitness levels. These tests are administered by licensed physicians. If you don't wish to partake in the paramedical exam, why not consider the option of no exam term life insurance?
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Term Life Insurance Quotes

Getting instant term life insurance quotes will instantly save you money. Most people are paying more than they have to for just about every kind of insurance. This is a sad fact. Overpaying for insurance is on the top of list. 

Can you actually recall how many life insurers you shopped with when looking to buy an insurance plan? Was it five? was it ten? Gallup polls investigated life insurance purchasing over ten years ago and the clients contacted 2.3 agents, with 65% of agents only quoting for one insurance provider.

There are dozens of "A" rated, financially sound insurance companies. However, different agents charge different commissions and rates differ from one person to another. There are less chances that you would find the best rates unless you an expert on the subject. Multiple online quotes reveal the fact that prices vary dramatically between policy providers.
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Term Life Insurance Rates (at a glance)

Find term life rates for men and women of all age groups. Remember that there are many factors which are considered when insurers determine your premium rate, such as:

  • Age
  • Insurance Provider
  • Health Status
  • Length of term (if term insurance)
  • Face Amount
  • Type of policy (permanent insurance is four to five times more expensive than term)

Our excellent quote engine will provide you with several insurance rates in seconds. All major insurance companies are represented and you can choose between many options according to the criteria you seected. For easy to use, well presented insurance rates, all you need to do is fill the form and click submit.

The state laws define term life insurance rates, the only things that change are the criteria. Our quote engine is continually updated one state at a time to ensure you get the most accurate rates, daily. Click the link to see a selection of charts that will give you a general idea of the factors that determine the price range of your chosen policies:
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Financing Life Insurance - What You Need to Know

A seventy year old male with a good health status and a large amount of savings in the bank would probably not consider buying permanent insurance. Whole life premiums would be around one-twentieth of your net worth. To insure ten million dollars would cost you half a million per year.

No matter how high your net worth is, your assets and income would take a significant thrashing. It would therefore be far more reasonable to opt for no coverage at all, or consider a cheaper insurance option.
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