Term Life Insurance Quote: Get Your No-Haggle Quotes in Minutes
Term life insurance is insurance that provides coverage and a defined death benefit for a pre-defined period of time, most commonly ranging from 10 to 20 years, though terms from 1 to 30 years are available. Term insurance is usually purchased because a substantial death benefit is required for a shorter period of time: e.g. to cover a mortgage, education expenses, etc. Term life insurance premiums are usually far less than other life insurance premiums, provided the insured is not of an advanced age.
To see just how reasonable term rates can be, you can get a hassle-free term life insurance quote by clicking below. Your quote is 100% confidential, and will include estimates from reputable, respected insurance companies.
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Term life is considered to be pure insurance protection because it builds no cash value. The other primary type of insurance is whole life insurance, which includes the variants universal life insurance and variable life insurance, build a cash or investment value, or have flexible terms. As such, they carry more than just an insurance value. You can quickly see what typical coverage looks like by requesting a term life insurance quote by clciking above.
While many equate term insurance to gambling, it's a poor comparison because insurance is meant to protect against a loss, whereas gambling implies a financial gain. That is, insurance is purely risk protection, and doesn't involve a measure of gambling.
Most often, term insurance is used to protect one's family from financial difficulties in the event of death. For example, a 40-year old father of two might purchase term life insurance to pay for his children's educations and pay off the home mortgage in the event of his passing.
A term life insurance quote provided through this web site requires only minimal information from you to begin: a name and address, e-mail address, age, disclosure of any major medical history, and a few other minor details. It's fast and convenient, and you'll receive several (up to 8) competitive quotes.
