Term Life Insurance Q&A
- Why should I choose BeyondQuotes?
- Which companies do we represent?
- Is BeyondQuotes licensed where I live?
- Is my information confidential?
- Do you only offer rate quotes?
- How do we choose which companies to represent?
- How much Term Life Insurance do I need?
- What are "level" policies?
- What should be the term length?
- Is it worth insuring my spouse on my policy?
- Can you explain the difference between Term and Whole Life plans?
- I suffer form a pre-existing condition. Can I still be insured?
Applying for a Policy
- How do I apply for Term Life Insurance?
- How do I find the best value plan for my needs?
- What is the waiting period between applying and coverage?
Cyclone Aftermath & Kansas Term Life Insurance
No one loves nature’s fury, but unfortunately Kansas and cyclones share a close call. No one can predict with perfect accuracy when the natural disasters will strike, but with Kansas term life insurance you can predict a financially secure future. If you have bought it, you and your family members will be better equipped to deal with nature’s vagaries and its effect on you.
Why buy term life insurance?
This is a financial protection that you buy for your family in the event of your death. Death is a gory word and no one likes to think about it. But if you are smart enough, you will not just think about it but also prepare for it in advance by investing in the right plan. It will enable your family to bear the loss in a much better way if they have some money to live a life of dignity. So, don’t wait for the tragedy to strike, when it gets too late to take any action. Plan well and prepare ahead.
Types of Term life insurance
Annual renewable term : This plan is bought for a time period of one year, which means the death benefit will be provided only if the person insured dies during that one-year term. However, in this plan, the insurer has the option to renew the policy after the term period has expired.
Level term life: Level term life insurance Kansas assures a fixed premium for a given period of time, such as 10, 15, 20, or 30 years. The premium will depend on your age and coverage options.
Kansas & its nicknames
The Sunflower State: Kansas is so called because it has abundant wild sunflowers that spread all across this US state. Aptly, Sunflower is the state’s official flower and its floral emblem.
The Wheat State: It is the leading agricultural state that produces the maximum wheat in the US. Hence, it is known as the "The Wheat State." It leads in all types of wheat produced, be it wheat flour milling capacity or wheat flour milled.
Midway, U.S.A.: The state is termed "Midway, U.S.A." because Continental United States’ geographic center is situated here. A stone monument marks that location.
The Cyclone State: Cyclones and tornadoes are more prevalent here given the weather conditions of the state.
The Grasshopper State: Grasshopper (Rocky Mountain Locusts) Plague hit Kansas in 1874, affecting its lush landscape.