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Term Life Insurance and More - We Can Help You

Whether you're looking for term life insurance and just want to get a term quote, or you want to learn more about affordable life insurance - you've come to the right place. No matter if you look at online life insurance or you get in the car and drive down to visit a local agent - either way, the number of choices can be staggering. Our goal is to make it as easy as possible to find the best option for you.

Where do you start in your search for life insurance information? We wholeheartedly recommend our site. Why? Whether you complete our simple quote form now, or read more below, you'll quickly see we're different. We've sorted through a mountain of complicated material to give you a simple life insurance FAQ.

Term Quote Engine
Your State:
Gender: Male   Female
Date of Birth:     
Height: Feet   Inches
Weight: Pounds
Have you used any tobacco products in the last 12 months? No Yes  
Coverage Amount:
Length of Term:
ROP?: Yes No

The Important Life Insurance Questions Answered Here:

The first question you should probably answer is this: How much life insurance coverage do I need? Just guessing, but you probably don't want some complex math here. In case you want some real details, feel free to call us about this. You might get some results from a life insurance calculator. But if you give us a call, know that we're ready to help you with a detailed analysis of your personal circumstances.

If you'd just like to start with some do-it-yourself guidelines to get a ballpark estimate, do the following: Multiply your yearly income by 15. Or, another simple method is to add up the money you make each month and multiply this number by 200. What does this simple math give you? It tells you approximately how much money you may need to replace your monthly or yearly income, dollar for dollar - if you decided to get one of the life insurance types that pays a lump sum of money as a death benefit.

Now that we've answered this basic question, it's much easier to accurately compare life insurance, as well as other forms of protection, such as long term health insurance and living coverage.

The next question to tackle is: how long do I need to have coverage? Many people are not doing the research like you are right now. It's obvious that even some of the financial gurus haven't done this research. They tell everyone who will listen to go out and get some affordable term life product. They don't know your individual circumstances, so how could they know this fits you?

People hate to be bothered with the effort needed to make a good decision, so they simply rush out to get one or more term life insurance quotes. They're drawn to the low term life coverage premiums. If you pay less each month, you're paying less overall, and getting a better deal, right? Maybe. Maybe not. A far better approach is to answer this question first: Just how long do I need to be covered?

This is a simple, but very important calculation. It really should give you an idea of the kind of insurance you need. Carefully consider the following factors: (1) The age(s) of your children, (2) How many years remain on your mortgage, (3) What other long-term financial obligations you have, and (4) How many years remain until you retire.

Begin your life insurance comparison by first considering your family's needs. Then, look at life insurance price. Perhaps some of your family needs are temporary. These might include: raising children, children's college planning, income protection until retirement, mortgage protection life insurance, and business planning.

What do I do if I only have temporary needs, such as these? Get a term insurance quote. This type of protection is ideal for these temporary circumstances. And it's easy to start your coverage. When most websites offer you an instant life insurance quote, they're likely talking about a term quote.

Online term life is probably the easiest kind of quote to get, so you can compare companies. It's by far, the most common type of online life insurance coverage. Once you get your quote and decide on a policy, it's easy to get everything you need in the way of term life insurance online. Keep in mind that a life term quote is usually for a coverage period of 1, 5, 10, 15, 20, 25 or 30 years.

And while we're on the subject of temporary coverage, you may want to look into mortgage life insurance coverage, or decreasing term life coverage. This type of coverage only pays off a loan in the event of death, and the coverage decreases with the loan amount you owe.

When is permanent life insurance a better fit? If: (1) You need insurance for 30 years and beyond, (2) you want a policy that works like a savings plan, having cash value you can redeem at a later time, (3) you want to lock in your life insurance rate so that it never goes up. If you're looking for this kind of protection, it's also very possible to get this type of life insurance quote online.

Universal life insurance and whole life insurance are the best choice to meet these needs and wants. However, if you compare a universal life insurance quote with a term life insurance quote, you'll see one difference quickly. Term life insurance rates are usually much lower than most types of whole insurance.

However, as everyone is seeking low cost life insurance, there's another thing to consider. Looking at a whole life quote, it's not immediately apparent that over the course of your coverage, you'll likely end up paying less for this type of coverage. Why? With whole coverage, rates are locked at a set amount and never go up, unlike term coverage. If having a set rate is the feature you want, but your coverage needs are temporary, you might want to consider this option: level premium term life coverage.

Additionally, if you've gotten a long term insurance quote and the life insurance cost of whole coverage seems a little higher than expected, you might want to consider a Term with ROP (Return of Premium). This enables you to have a cash policy (an insurance policy that works as a savings plan), but without having to pay the higher life insurance rates. This type of plan is commonly viewed as a blend: it has the benefit of a lower term life rate, along with some of the features of permanent coverage.

Why are term quotes for ROP much lower? Well, unlike Universal or Whole plans, ROP only has a temporary death benefit. And there's really no cash value accumulated. You do, however, get a refund of all premiums paid at the end of the time you're covered for.

Now that you have a better idea of the kind of coverage you're looking for, there's another consideration before you race off to get some instant life insurance quotes. What's that? There are a few organizations that have set up a helpful system for rating life insurance. You won't find this information just anywhere. Especially from those who represent just one insurance company.

Here at LifeQuoteCenter.com, we don't represent one or a just few insurance companies or products. We offer something truly unique. In all the years we've been providing insurance, we just haven't found anyone else with our network of companies. We work hard to find the very best coverage for you from a group of 140 companies. On our site is a list of insurance company ratings. Go ahead and check these out. As you examine the ones we work with, you'll see they're the best.

As you probably realize by now, there's a lot more to consider than just getting a life insurance rate quote and comparing it with others to find the lowest. And as there are many companies offering a free life insurance quote, you should never have to pay to get this information.

When you consider the needs of your family, you may want to look at more than just the main income provider in the home. There is family life insurance as well as child life insurance, each providing a specific type of protection.

Addressing yet another need for a large section of the American population is senior life insurance. Young or old, if you've already looked into insurance and found that the rates are especially high for your health circumstances, you've come to the right place.

There are many companies offering no medical exam life insurance. They're very proud to advertise "Life Insurance No Exam" or "Life Insurance No Medical". However, without careful investigation, you'll probably end up paying more for no exam life insurance. Why not let us help you find what you're looking for? LifeQuoteCenter.com has helped many people with less than ideal health find the very lowest rates possible.

What to expect from the LifeQuoteCenter:

You probably ended up here at www.lifequotecenter.com because you found our rates the lowest term life insurance rates around. If you haven’t looked at our competitor yet, feel free to do so. The LifeQuoteCenter guarantees the lowest life insurance rates, period.
As an independent life insurance broker we feel comfortable with our low life price guarantee because we work with all major life insurance carriers and monitor the prices of almost 200 different life insurance companies.

You will see instant quotes from high quality carriers like: American General Life / AIG, Met Life, Prudential Life, First Colony Life, Banner Life, Protective Life, Transamerica Life, West Coast Life, Chase Life and many more.

But, what about the old “bait and switch” tactic, you might ask. Rest easy! We at the LifeQuoteCenter don’t low-ball you on your (term) life insurance quotes. Why? It’s easy; We actually put ourselves in your shoes. We assume that we are not able to earn your business if your life insurance premium comes back higher than quoted initially. And really, there is no purpose in wasting your time or ours, if we can’t earn your life insurance business.

See, from the very beginning, we ask you the important health questions to uncover any issues that might cause your term, universal or whole life premium to come back higher. We are always thinking one (or more) steps ahead to coordinate your health picture with the life insurance premium structure and life insurance underwriting requirements of almost 200 life insurance companies. That might sound a bit fancy, but you’ll see once you talk to one of our life insurance specialist.

For example, if you have had a history of, let’s say, elevated cholesterol, we will take that fact into consideration. Cholesterol among other facts is a very common factor which can cause your term, universal or whole life insurance premium to increase. Assuming that the premiums are fairly equally affordable with a number of life insurance companies, we might suggest for you to apply with First Colony Life (a subsidiary of General Electric Life) since First Colony only requires a cholesterol reading below 240 in order to qualify for the “Preferred Best” term and universal life insurance rates. American General Life and many other companies want to see your cholesterol below 200 before they make the “Preferred Best” life insurance rates available. That can be a big money saver right there.

The medical exam for your life insurance may “un-cover” a condition which has a negative impact on your term life insurance premium. Our knowledge of the different underwriting requirements of all the life insurance companies again will prove to be a big benefit to you. Why? We likely will just use your existing exam results and submit an application to a different insurance company which will ultimately result in an improved and lower life insurance premium.

As you probably know, any life insurance company may order the medical records from your personal physician or any specialist you’ve seen. In certain situation we know that the insurance company you’ll apply with will order your medical records. This holds true for conditions like: diabetes, cancer, high blood pressure, etc. In such scenarios (and select others) we will recommend to submitting multiple applications. This way you’ll have the life insurance companies competing for the lowest life insurance premium.

Simon Maierhofer, Founder of the LifeQuoteCenter views the search for the lowest term life (or any life) insurance premium as an art, an art he definitely has mastered.

So come on, experience the LifeQuoteCenter Difference!

 
 

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