Term Life Insurance Specialists

Our site provides instant Term Life Insurance Quotes from more than 100 insurers as well as guidance and unbiased information on the nuances that differentiate the leading term life insurers.

The life insurance carriers quoted are the most recognized in the industry and include: AIG, Banner Life, West Coast, TransAmerica, ING, North American, Jackson National, Lincoln National, Genworth and many more.

Those who are solicited by local agents from State Farm, Farmers, or Allstate owe it to themselves to compare rates from insurers that compete on rates and not on the charisma of the local insurance agent. Average savings of 40-50% are not uncommon.

Thinking of buying term life insurance or a whole life policy? There are a few things you should consider before calling an agent. A foundation of knowledge before buying could save you considerable sums of money over the years, just as a little research could help find you the ideal policy to suit your individual requirements, not the requirements of an agent who is after the best commissions.

“What are the benefits of whole life over term life insurance? Is the investment product of whole life worth the high premiums? How much cover is necessary? When is the best time to get insured? Is it best to buy online or through an agent?” Buying life insurance of any kind is a big decision that's not to be taken lightly and most people have a number of questions they want answered prior to buying life 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 insurance 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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Did you know that life insurance for seniors can be purchased well into your 80’s? Most people are unaware that once you reach a grand old age, you are still insurable, albeit with a slightly more stringent underwriting process.

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

Life 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 insurance in your 80's or 90's, there is a range of options available to you, including burial insurance, term and whole life insurance. You can find all the information you need in these pages should you or a loved one need the security that life insurance offers in later life…
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Are you a smoker applying for term life 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 paramed 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. Casual marijuana use accounts for a surprisingly large section of the community across all age ranges, races, classes and genders. Our informative marijuana and life insurance page gives you the lowdown.
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Everybody who applies for standard term life 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. All tests are carried out by licensed medical professionals. Those wishing to avoid the paramed exam may wish to consider no-exam term life insurance as an alternative option.
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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 term life insurance is at the top of that list.  Can you actually recall how many life insurers you shopped with when you embarked on the term life purchase?

Was it four?  Was it eight?  The Gallup Polling Organization actually investigated this question of term life purchasers in 2002. The average term life client that year was in contact with 1.4 insurance agents. 63% of the term insurance agents would only show quotes from one life insurance company.

There are dozens of "A" rated, financially sound life insurance companies. However, different agents charge different commissions and rates vary dramatically. Unless you shop at least 20 of them at the same time, the odds are overwhelming that you will end up overpaying for your policy. Multiple online quotes reveal the fact that prices vary dramatically between life insurance providers.
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Term life rate charts for age 25, 45, and 65 (male and female). Buyers should know that various factors go into determining Term Life Insurance rates:

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

On the next page is a series of charts that will give the client a general idea of the factors that determine the price range for term life insurance:
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Q: How much money does it cost to get started?
A: It does not cost anything at all.  The term life insurance quotes that we provide you are free.

Finding a rate that works within your budget will require a completed application.  The client has the choice of a no exam term life plan, or a traditional policy which will require a paramedical exam. If you are a smoker, a casual marijuana user or a regular drinker, the no-exam option can be attractive, but it comes with a higher premium.

There is no cost to you during any portion of this process, and by law every insurer must provide you with a 30-day free-look money back guarantee.
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