Instant Term Life Quotes
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Term Life Insurance Specialists
Beyond Quotes provides instant term life insurance quotes from more than 30 insurers as well as guidance and unbiased information on the nuances that differentiates 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.
Term Life Insurance Q&A
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 an exam.
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.
Q: What makes quotes at Beyond Quotes better compared to another Internet-based life insurance quoting site?
Financing Life Insurance - What You Need to Know
Much ink has been devoted to the topic of life insurance premium financing as any reader of the New York Times, The Wall Street Journal, or the Robb Report can attest. Perhaps it is from reading one of these articles that your interest was piqued.
Imagine that you are 70 years old, in reasonably good health, and you have a net worth of around 10 million, give or take. The probability that you might consider buying a permanent life insurance policy at this point in your life is fairly low.
The premiums would be roughly $50,000 per year for every $1,000,000 of coverage. Buying as much insurance as your insurability will allow based on your net worth would entail life premiums of $500,000 each year.
Even a high net worth individual would consider this a significant drain on income and assets. A reasonable individual would probably pass on a life insurance purchase.
Term Life Insurance Quotes
Getting instant term life insurance quotes instantly will save you money.
Most people are paying more than they have to for just about every kind of insurance. This is sad fact. Overpaying for term life insurance is at the top of that list. Can you actually recall as to how many life insurers did you shop 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 insurance 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. 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.
Getting multiple quotes will reveal to you that prices vary considerably from one life company to the next.
Term Life Insurance Rates (at a glance)
Term life rate charts for age 25, 45, and 65 (male and female)
The following factors go into determining rates for term life insurance:
- 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:
